| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 0.19% |
| MARIA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $8K | $350 | $8K | 9.79% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $66 | $2K | 2.06% |
| CHRISTINA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $1K | $26 | $1K | 1.26% |
| MORETON & COMPANY3 Filed as: MORTON D WEINER AMPAC INC | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | AFLAC | $774 | — | $774 | 0.92% |
| EILEEN SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $190 | — | $190 | 0.23% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $190 | — | $190 | 0.23% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $149 | — | $149 | 0.18% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $145 | — | $145 | 0.17% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC. | 68 SOUTHEAST 6TH STREET APARTMENT 1709 MIAMI, FL 33131 | AFLAC | $135 | — | $135 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $133 | — | $133 | 0.16% |
| RICARDO AUGUSTIN3 | 1032 NORTHWEST 87TH AVENUE APARTMENT 101 MIAMI, FL 33172 | AFLAC | $108 | — | $108 | 0.13% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $97 | — | $97 | 0.12% |
| RENATO MARRERO3 | 15253 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | AFLAC | $80 | — | $80 | 0.09% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $74 | — | $74 | 0.09% |
| SANDRA VELAZQUEZ3 | 6374 SOUTHWEST 22ND STREET MIAMI, FL 33155 | AFLAC | $59 | — | $59 | 0.07% |
| MARTHA BRIEVA3 | 1920 NORTHWEST 137TH WAY PEMBROKE PINES, FL 33028 | AFLAC | $55 | — | $55 | 0.07% |
| JENNIFER M GREEN3 Filed as: JENNIFER GREEN | 4001 HARDIE AVENUE MIAMI, FL 33133 | AFLAC | $44 | — | $44 | 0.05% |
| SUWAT ASSAWAMATIYANONT3 Filed as: SUWAT ASSAWAMATIUANONT | 1800 NORTHEAST 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $37 | — | $37 | 0.04% |
| LOURDES M MARRERO3 Filed as: LOURDES MARRERO | 15253 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | AFLAC | $34 | — | $34 | 0.04% |
| DAVID MORRIS3 | 950 PENNINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $27 | — | $27 | 0.03% |
| ECK INC3 | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $26 | — | $26 | 0.03% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWNPLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN GALLIPOLI3 | 4385 STATESVILLE ROAD WATERTOWN, FL 37184 | AFLAC | $16 | — | $16 | 0.02% |
| SOUTHEASTERN UNDWR INC3 Filed as: SOUTHEASTERN UNDRWR INC | 6751 MACON ROAD SUITE 4 COLUMBUS, GA 31904 | AFLAC | $16 | — | $16 | 0.02% |
| ELIZABETH MARIA SARDINAS TORRES3 Filed as: ELIZABETH SARDINAS TORRES | 15453 SOUTHWEST 139TH STREET MIAMI, FL 33196 | AFLAC | $16 | — | $16 | 0.02% |
| ISIS FERNANDEZ3 | 2942 SOUTHWEST 34TH AVENUE MIAMI, FL 33133 | AFLAC | $16 | — | $16 | 0.02% |
| NATALIA ORTIZ3 | 9800 SOUTHWEST 62ND COURT MIAMI, FL 33156 | AFLAC | $15 | — | $15 | 0.02% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $14 | — | $14 | 0.02% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $13 | — | $13 | 0.02% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 110 SOUTHEAST 6TH STREET SUITE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $12 | — | $12 | 0.01% |
| DENISE HANDAL3 | 1032 NORTHWEST 87TH AVENUE APARTMENT 101 MIAMI, FL 33172 | AFLAC | $12 | — | $12 | 0.01% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $12 | — | $12 | 0.01% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $12 | — | $12 | 0.01% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $12 | — | $12 | 0.01% |
| MICHAEL L. SEBENS3 Filed as: MICHAEL PETERS | 6343 FALBRIDGE COURT JACKSONVILLE, FL 32258 | AFLAC | $12 | — | $12 | 0.01% |
| RONALD INFANTINO3 | 7242 SOUTHWEST 163RD COURT MIAMI, FL 33193 | AFLAC | $11 | — | $11 | 0.01% |
| RAMON E MASCANOSA3 | PO BOX 430780 MIAMI, FL 33243 | AFLAC | $9 | — | $9 | 0.01% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 33216 | AFLAC | $9 | — | $9 | 0.01% |
| A & A INSURANCE SERVICE, INC.3 Filed as: A & A INSURANCE SERVICE INC | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $9 | — | $9 | 0.01% |
| NESTOR J RODRIGUEZ3 Filed as: NESTOR RODRIGUEZ | 799 BRICKELL PLAZA SUITE 600 MIAMI, FL 33131 | AFLAC | $9 | — | $9 | 0.01% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $9 | — | $9 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.01% |
| BRIAN MACOMBER3 | 1431 NORTHEAST 57TH PLACE FORT LAUDERDALE, FL 33334 | AFLAC | $6 | — | $6 | 0.01% |
| KWD & ASSOCIATES INC3 | 1640 WEST OAKLAND PARK BOULEVARD SUITE 202 OAKLAND PARK, FL 33311 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $6 | — | $6 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $5 | — | $5 | 0.01% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PARKWAY SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $5 | — | $5 | 0.01% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $5 | — | $5 | 0.01% |
| LAURA HEILIG3 | 13768 OAK TREE TERRACE JACKSONVILLE, FL 32224 | AFLAC | $5 | — | $5 | 0.01% |
| ELIZABETH B BOWDRING3 Filed as: ELIZABETH DAY | 8617 FORT HUNT ROAD ALEXANDRIA, VA 22308 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $4 | — | $4 | 0.00% |
| MORETON & COMPANY3 Filed as: MORTON D WEINER/AMPAC INC | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | CONTINENTAL CASUALTY COMPANY | $794 | — | $794 | 10.26% |
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 | 603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 566 | $6.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,201 | $432K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,201 | $432K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 604 | $218K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 604 | $218K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 604 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.