| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | AVMED | $8K | $6K | $14K | 0.87% |
| EMPLOYER BENEFITS CONSULTING LLC Filed as: EMPLOYER BENEFITS CONSULTING | 7480 SW 40TH STREET SUITE 560 MIAMI, FL 33155 | AVMED | $8K | $6K | $14K | 0.87% |
| ASSUREDPARTNERS3 Filed as: SOUTH FL GROUP BENEFITS | 7452 SW 48TH ST 2ND FLOOR MIAMI, FL 33155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $5K | $17K | 5.41% |
| LOCKTON COMPANIES, LLC3 | 201 S BISCAYNE BLVD SUITE 2850 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.20% |
| ANDRES FERNANDEZ3 | 7452 SW 48TH STREET MIAMI, FL 33155 | AETNA LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $16K | 5.16% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.44% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP BENEFITS | 9415 SUNSET DRIVE SUITE 226 MIAMI, FL 33173 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.43% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.84% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE SUITE 510 CHARLOTTE, NC 28210 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.15% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CTR SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.97% |
| THE SOUTHERN REGION LLC3 | 7313 MERCAHNT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.71% |
| ANDRES F FERNANDEZ3 | 7452 SW 48TH ST 2ND FLOOR MIAMI, FL 33155 | HUMANA INSURANCE OF PUERTO RICO, INC. | $6K | $0 | $6K | 3.30% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON INSURANCE INC. | 270 MUNOZ RIVERA AVE SAN JUAN, PR 00918 | HUMANA INSURANCE OF PUERTO RICO, INC. | $3K | $0 | $3K | 1.53% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA & ASSOCIATES INC. | 100 MIRACLE MILE, SUITE 250 CORAL GABLES, FL 33134 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.58% |
| ANDRES F FERNANDEZ3 Filed as: ANDRES F. FERNANDEZ | 7452 SW 48TH STREET, 2ND FLOOR MIAMI, FL 33155 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $49 | $1K | 9.64% |
| CHARLENE GUISASOLA3 | 13735 SW 83RD COURT PALMETTO BAY, FL 33158 | PRINCIPAL LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.45% |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AVMED | 428 | $2.3M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $506K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $506K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $319K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $319K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $331K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY OF AMERICA | 57 | $315K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 524 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
No prospect flags tripped on this filing.