| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVA INSURANCE GROUP3 | 18010 SW 89 AVE MIAMI, FL 33157 | AVMED | $26K | — | $26K | 2.95% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | GUARDIAN | $6K | — | $6K | 10.00% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| MICHAEL VIDAL3 | 18413 NW 9 ST PEMBROKE PINES, FL 33029 | ALLSTATE INSURANCE COMPANY | $4K | — | $4K | 8.41% |
| AYMEE GONZALEZ-BLANCO3 | 5975 SUNSET DRIVE, STE 605 MIAMI, FL 33143 | ALLSTATE INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $3K | $126 | $3K | 7.38% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $1K | — | $1K | 2.53% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $781 | — | $781 | 1.96% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $451 | $25 | $476 | 1.19% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $349 | — | $349 | 0.88% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT ROAD LAKE WORTH, FL 33467 | AFLAC | $180 | $25 | $205 | 0.51% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $204 | — | $204 | 0.51% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $158 | — | $158 | 0.40% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33928 | AFLAC | $139 | — | $139 | 0.35% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $73 | — | $73 | 0.18% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $43 | — | $43 | 0.11% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $35 | — | $35 | 0.09% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY STE 900 ATLANTA, GA 30339 | AFLAC | $31 | — | $31 | 0.08% |
| HAROLD L STAFFORD3 | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $17 | — | $17 | 0.04% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $16 | — | $16 | 0.04% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $13 | — | $13 | 0.03% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $9 | — | $9 | 0.02% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 2383 AKERS MILL ROAD APT S15 ATLANTA, GA 30039 | AFLAC | $6 | — | $6 | 0.02% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN ST CHARLES, IL 60175 | AFLAC | $5 | — | $5 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $4 | — | $4 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORP CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.65% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $521 | — | $521 | 2.14% |
| VONDA GOLUB3 | 3330 OVERLOOK DR NE ST PETERSBURG, FL 33703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $467 | — | $467 | 1.91% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| VONDA GOLUB3 | 3330 OVERLOOK DR NE ST PETERSBURG, FL 33703 | ALLSTATE INSURANCE COMPANY | $752 | — | $752 | 14.00% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | ALLSTATE INSURANCE COMPANY | $729 | — | $729 | 13.57% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | ALLSTATE INSURANCE COMPANY | $228 | — | $228 | 4.25% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 158 | $874K |
| Dental | GUARDIAN | 117 | $56K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $87K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $51K |
| Stop-loss / reinsurancereinsurance | ALLSTATE INSURANCE COMPANY | 51 | $48K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.