| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVA INSURANCE GROUP3 | 18010 SW 89 AVE PALMETTO BAY, FL 33157 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.74% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | STE 903 1600 PONCE DE LEON BLVD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| ELIZABETH GUZMAN3 Filed as: ELIZABETH M GUZMAN | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $3K | $109 | $3K | 6.53% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $770 | $26 | $796 | 1.56% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $612 | — | $612 | 1.20% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $494 | $25 | $519 | 1.02% |
| SUSANA RIZO3 | 18495 S DIXIE HWY #105 MIAMI, FL 33157 | AFLAC | $500 | — | $500 | 0.98% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $276 | — | $276 | 0.54% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $160 | — | $160 | 0.31% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $115 | — | $115 | 0.22% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $57 | — | $57 | 0.11% |
| MAXIMO CABRERA3 | 4353 W WHITEWATER AVE WESTON, FL 33332 | AFLAC | $43 | — | $43 | 0.08% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $30 | — | $30 | 0.06% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $25 | — | $25 | 0.05% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $13 | — | $13 | 0.03% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SE STE 900 ATLANTA, GA 30339 | AFLAC | $8 | — | $8 | 0.02% |
| RUMIL CORPORATION3 | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $8 | — | $8 | 0.02% |
| NADIA DIAZ NORRIS3 | 4572 CONCORDIA LN BOYNTON BEACH, FL 33436 | AFLAC | $6 | — | $6 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $5 | — | $5 | 0.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $5 | — | $5 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.00% |
| LANA M KLIMEK3 | 1850 MERCER PKWY APT 6201 DALLAS, TX 75234 | AFLAC | $1 | — | $1 | 0.00% |
| SUZANN T EUSEPI-GREEN3 | 216 RIVER DR TEQUESTA, FL 33469 | 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% |
| ME WILSON COMANY LLC3 | 300 W PLATT STREET TAMPA, FL 33626 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| THE LOOMIS COMPANY5 | 850 N PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| MICHAEL VIDAL3 | 11402 NW 41 STREET, SUITE #210 DORAL, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.40% |
| ALEXANDER BLANCO3 | 708 S DIXIE HWY CORAL GABLES, FL 33146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $495 | — | $495 | 3.60% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 36.58% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | STE 903 1600 PONCE DE LEON BLVD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 26.00% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.46% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.33% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 26.43% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.42% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.40% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 62.82% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.28% |
| COMPREHENSIVE COMPANIES3 Filed as: COMPREHENSIVE UNDERWRITERS INC | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.22% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | STE 903 1600 PONCE DE LEON BLVD CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 1.62% |
| GOLUB, JOSEF ABRAHAM3 Filed as: GOLUB, JOSEF, ABRAHAM | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.44% |
| GOLUB, VONDA, D3 | 3330 OVERLOOK DR NE ST PETERSBURG, FL 33703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.44% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 48.00% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.53% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.49% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $616 | — | $616 | 24.36% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $539 | — | $539 | 38.28% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.64% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
| RONALD STONE3 | 1600 PONCE DE LEON BLVD #902 CORAL GABLES, FL 33134 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | — | $116 | 24.17% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE SAINT PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 2.71% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.21% |
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 | 177 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 203 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 203 | $1.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 203 | $1.0M |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $80K |
| Short-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $58K |
| Other(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.