| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVA INSURANCE GROUP3 | 18010 SW 89 AVE PALMETTO BAY, FL 33157 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.00% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | GUARDIAN | $7K | — | $7K | 10.00% |
| MICHAEL VIDAL3 | 11402 NW 41 STREET, SUITE 210 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.16% |
| ALEXANDER BLANCO3 | 5975 SUNSET DRIVE, STE 605 MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $4K | $57 | $4K | 10.06% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $939 | — | $939 | 2.25% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $712 | — | $712 | 1.71% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $672 | $12 | $684 | 1.64% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $501 | $11 | $512 | 1.23% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $308 | — | $308 | 0.74% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $180 | — | $180 | 0.43% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $162 | — | $162 | 0.39% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT ROAD LAKE WORTH, FL 33467 | AFLAC | $70 | — | $70 | 0.17% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $57 | — | $57 | 0.14% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVE, STE G03 RALEIGH, NC 27612 | AFLAC | $47 | — | $47 | 0.11% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $34 | — | $34 | 0.08% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY STE 900 ATLANTA, GA 30339 | AFLAC | $25 | — | $25 | 0.06% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $9 | — | $9 | 0.02% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $7 | — | $7 | 0.02% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINEHURST DR ATLANTA, GA 30339 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN ST CHARLES, IL 60175 | AFLAC | $5 | — | $5 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $3 | — | $3 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $3 | — | $3 | 0.01% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORP CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.00% |
| LANA M KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $1 | — | $1 | 0.00% |
| 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% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.11% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.43% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE ST PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.58% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 3.08% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.43% |
| VONDA GOLUB3 | 3330 OVERLOOK DR NE ST PETERSBURG, FL 33703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.34% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $549 | — | $549 | 19.63% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415 | — | $415 | 14.84% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE ST PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $398 | — | $398 | 14.23% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $912K |
| Dental | GUARDIAN | 120 | $65K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $83K |
| Short-term disability(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $118K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $51K |
| Stop-loss / reinsurancereinsurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 68 | $60K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.