| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVA INSURANCE GROUP3 | 18010 SW 89 AVE PALMETTO BAY, FL 33157 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.99% |
| ELIZABETH GUZMAN3 Filed as: ELIZABETH M GUZMAN | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $4K | $863 | $4K | 6.79% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $1K | $173 | $1K | 1.82% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $911 | — | $911 | 1.40% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $664 | $173 | $837 | 1.28% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $659 | — | $659 | 1.01% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $289 | — | $289 | 0.44% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $169 | — | $169 | 0.26% |
| JAVIER ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $137 | — | $137 | 0.21% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $51 | — | $51 | 0.08% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $39 | — | $39 | 0.06% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $30 | — | $30 | 0.05% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE STE G03 FORT MYERS, FL 33913 | AFLAC | $26 | — | $26 | 0.04% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY STE 900 ATLANTA, GA 30339 | AFLAC | $20 | — | $20 | 0.03% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $8 | — | $8 | 0.01% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINEHURST DR ATLANTA, GA 30339 | AFLAC | $6 | — | $6 | 0.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL A ORTIZ3 | 4119 CORNFLOWER RD POPLAR GROVE, IL 61065 | AFLAC | $5 | — | $5 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $2 | — | $2 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 2984 SUNSET SNT NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORP CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL VIDAL3 | 11402 NW 41 STREET, SUITE 210 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.41% |
| ALEXANDER BLANCO3 | 708 S DIXIE HWY CORAL GABLES, FL 33146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS | 1600 PONCE DE LEON BLVD, #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | — | $284 | 3.07% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 2.09% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE ST PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 1.90% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.36% |
| COMPREHENSIVE COMPANIES3 | 2199 PONCE DE LEON BLVD STE 300 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 2.83% |
| JOSEF GOLUB3 Filed as: JOSEF ABRAHAM GOLUB | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.49% |
| VONDA GOLUB3 | 3330 OVERLOOK DR NE ST PETERSBURG, FL 33703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.49% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS | 1600 PONCE DE LEON BLVD, # 902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 3.52% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE ST PETE, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 2.92% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 2.32% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 194 | $900K |
| Dental | AETNA LIFE INSURANCE COMPANY | 194 | $900K |
| Vision | AETNA LIFE INSURANCE COMPANY | 194 | $900K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $73K |
| Short-term disability(4 contracts, 3 carriers) | AFLAC | 173 | $126K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $52K |
| Stop-loss / reinsurancereinsurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 61 | $50K |
| Other(5 contracts, 3 carriers) | AFLAC | 173 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.