| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 4.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 362 MINORCA AVENUE CORAL GABLES, FL 33134 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.03% |
| MARIA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $8K | $394 | $8K | 7.41% |
| JENNIFER M GREEN3 Filed as: JENNIFER GREEN | 4001 HARDIE AVENUE MIAMI, FL 33133 | AFLAC | $5K | $34 | $5K | 4.45% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $91 | $2K | 2.03% |
| NATALIA ORTIZ3 | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | AFLAC | $2K | — | $2K | 1.43% |
| EILEEN SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | — | $1K | 1.27% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 Filed as: MARIANA SANCHEZ-MEDINA | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | — | $1K | 1.00% |
| CHRISTINA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $831 | $48 | $879 | 0.80% |
| MORETON & COMPANY3 Filed as: MORTON D WEINER AMPAC INC | 777 SOUTHWEST 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AFLAC | $684 | — | $684 | 0.62% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $564 | $33 | $597 | 0.54% |
| ANA MARIA LEON3 Filed as: ANA LEON | 5000 SOUTHWEST 65TH AVENUE MIAMI, FL 33155 | AFLAC | $350 | — | $350 | 0.32% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $182 | — | $182 | 0.17% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $167 | — | $167 | 0.15% |
| ALESSANDRA SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $141 | — | $141 | 0.13% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $129 | — | $129 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $129 | — | $129 | 0.12% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SOUTHEAST 6TH STREET APARTMENT 1709 MIAMI, FL 33131 | AFLAC | $109 | — | $109 | 0.10% |
| RICARDO AUGUSTIN3 | 1032 NORTHWEST 87TH AVENUE APARTMENT 101 MIAMI, FL 33172 | AFLAC | $98 | — | $98 | 0.09% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $91 | — | $91 | 0.08% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $79 | — | $79 | 0.07% |
| RONALD INFANTINO3 | 7242 SOUTHWEST 163RD COURT MIAMI, FL 33193 | AFLAC | $76 | — | $76 | 0.07% |
| INGRID MARISA FARRELL3 Filed as: INGRID FARRELL | 5805 SOUTHWEST 96TH STREET PINECREST, FL 33156 | AFLAC | $61 | — | $61 | 0.06% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SOUTHWEST 129TH COURT MIAMI, FL 33183 | AFLAC | $52 | — | $52 | 0.05% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $43 | — | $43 | 0.04% |
| MARTHA BRIEVA3 | 3255 WEST FLAGLER STREET APARTMENT 4 MIAMI, FL 33135 | AFLAC | $39 | — | $39 | 0.04% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $37 | — | $37 | 0.03% |
| SANDRA VELAZQUEZ3 | 6374 SOUTHWEST 22ND STREET MIAMI, FL 33155 | AFLAC | $36 | — | $36 | 0.03% |
| RENATO MARRERO3 | 15253 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | AFLAC | $33 | — | $33 | 0.03% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $27 | — | $27 | 0.02% |
| ECK INC3 | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $26 | — | $26 | 0.02% |
| K W D & ASSOC INC3 | 1640 WEST OAKLAND PARK BOULEVARD SUITE 202 OAKLAND PARK, FL 33311 | AFLAC | $19 | — | $19 | 0.02% |
| BRIAN MACOMBER3 | 20 NORTH WATERVIEW DRIVE PALM COAST, FL 32137 | AFLAC | $19 | — | $19 | 0.02% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON ROAD SUITE 4 COLUMBUS, GA 31907 | AFLAC | $16 | — | $16 | 0.01% |
| JOHN GALLIPOLI3 | 4385 STATESVILLE ROAD WATERTOWN, FL 37184 | AFLAC | $16 | — | $16 | 0.01% |
| ISIS FERNANDEZ3 | 2942 SOUTHWEST 34TH AVENUE MIAMI, FL 33133 | AFLAC | $16 | — | $16 | 0.01% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PARKWAY SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $15 | — | $15 | 0.01% |
| LOURDES M MARRERO3 Filed as: LOURDES MARRERO | 15253 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | AFLAC | $14 | — | $14 | 0.01% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $14 | — | $14 | 0.01% |
| VALERIE MARQUEZ BLANCO3 | 12110 SOUTHWEST 105TH TERRACE MIAMI, FL 33186 | AFLAC | $13 | — | $13 | 0.01% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 289 SOUTH BURTON AVENUE SAN GABRIEL, CA 91776 | AFLAC | $13 | — | $13 | 0.01% |
| DENISSE HANDAL3 | 1032 NORTHWEST 87TH AVENUE APARTMENT 101 MIAMI, FL 33172 | AFLAC | $12 | — | $12 | 0.01% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $12 | — | $12 | 0.01% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $11 | — | $11 | 0.01% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 2645 GRASSY SPRING PLACE LAS VEGAS, NV 89135 | AFLAC | $11 | — | $11 | 0.01% |
| RAMON E MASCANOSA3 | PO BOX 9 ALTOONA, FL 32702 | AFLAC | $10 | — | $10 | 0.01% |
| NESTOR J RODRIGUEZ3 Filed as: NESTOR RODRIGUEZ | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | AFLAC | $9 | — | $9 | 0.01% |
| A & A INS SERV INC3 | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $9 | — | $9 | 0.01% |
| JAMES P SMITH3 | 4388 WAXWING COURT BOYNTON BEACH, FL 33436 | AFLAC | $9 | — | $9 | 0.01% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP, INC. | 610 CRESCENT EXECUTIVE COURT SUITE 524 LAKE MARY, FL 32746 | AFLAC | $9 | — | $9 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $7 | — | $7 | 0.01% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL L. SEBENS3 Filed as: MICHAEL PETERS | 6343 FALBRIDGE COURT JACKSONVILLE, FL 32258 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $5 | — | $5 | 0.00% |
| BRYAN FERNANDEZ-SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $5 | — | $5 | 0.00% |
| JEWEL L SANDS3 Filed as: JEWEL SANDS | PO BOX 2432 HOBE SOUND, FL 33475 | AFLAC | $5 | — | $5 | 0.00% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $5 | — | $5 | 0.00% |
| ELAINE COX3 | 3355 DOROTHEA ROAD JACKSONVILLE, FL 32216 | AFLAC | $5 | — | $5 | 0.00% |
| ELIZABETH B BOWDRING3 Filed as: ELIZABETH BOWDRING | 8617 FORT HUNT ROAD ALEXANDRIA, VA 22308 | AFLAC | $5 | — | $5 | 0.00% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $4 | — | $4 | 0.00% |
| SHERRY M SMITH3 Filed as: SHERRY SMITH | 4388 WAXWING COURT BOYNTON BEACH, FL 33436 | AFLAC | $4 | — | $4 | 0.00% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $3 | — | $3 | 0.00% |
| VERONICA BUCKINGHAM3 | 1200 SOUTHWEST 12TH STREET D208 FORT LAUDERDALE, FL 33315 | AFLAC | $3 | — | $3 | 0.00% |
| KAHN-CARLIN & CO INC3 | 3350 SOUTH DIXIE HIGHWAY MIAMI, FL 33133 | AFLAC | $3 | — | $3 | 0.00% |
| ANA MARIA LOPEZ3 Filed as: ANA LOPEZ | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $3 | — | $3 | 0.00% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PARKWAY SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $3 | — | $3 | 0.00% |
| LAURA HEILIG3 | 13768 OAK TREE TERRACE JACKSONVILLE, FL 32224 | AFLAC | $2 | — | $2 | 0.00% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| GRAVES INC3 | 5659 WEST HOLIDAY STREET HOMOSASSA, FL 34446 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH MARIA SARDINAS TORRES3 Filed as: ELIZABETH SARDINAS TORRES | 15453 SOUTHWEST 139TH STREET MIAMI, FL 33196 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | AFLAC | $1 | — | $1 | 0.00% |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 748 | $8.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,502 | $477K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,502 | $477K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 788 | $271K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 788 | $271K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 788 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,502 | — |
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 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.