| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVENUE SUITE 501 MIAMI, FL 33135 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | $10K | $59K | 11.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVENUE SUITE 501 MIAMI, FL 33135 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 2.03% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $7K | $339 | $7K | 4.73% |
| EILEEN SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $6K | $186 | $6K | 4.25% |
| CHRISTINA MARIA ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $3K | $196 | $4K | 2.45% |
| NATALIA DURAN GUZMAN3 Filed as: NATALIA C ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | AFLAC | $3K | $494 | $3K | 2.40% |
| MARIANA CHRISTIN SANCHEZ-MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $3K | $140 | $3K | 1.95% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $98 | $2K | 1.11% |
| ALESSANDRA SANCHEZ MEDINA3 Filed as: ALESSANDRA C SANCHEZ MEDINA | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1K | $35 | $1K | 0.89% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1K | $3 | $1K | 0.81% |
| KENNIA ROSALES3 | 13000 SOUTHWEST 110TH AVENUE MIAMI, FL 33176 | AFLAC | $1K | — | $1K | 0.70% |
| JENNIFER M GREEN3 | 4001 HARDIE AVENUE MIAMI, FL 33133 | AFLAC | $515 | $220 | $735 | 0.51% |
| MORETON & COMPANY3 Filed as: MORTON D WEINER AMPAC INC | 777 SOUTHWEST 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AFLAC | $546 | — | $546 | 0.38% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $156 | $54 | $210 | 0.14% |
| ALFRED RIETKERK3 | 3120 NORTHEAST 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $162 | — | $162 | 0.11% |
| ANA MARIA LEON3 | 5000 SOUTHWEST 65TH AVENUE MIAMI, FL 33155 | AFLAC | $126 | $29 | $155 | 0.11% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $153 | — | $153 | 0.11% |
| RONALD INFANTINO3 | 9380 SOUTHWEST 170TH PATH APARTMENT 8-102 MIAMI, FL 33196 | AFLAC | $143 | — | $143 | 0.10% |
| INGRID MARISA FARRELL3 | 5805 SOUTHWEST 96TH STREET PINECREST, FL 33156 | AFLAC | $127 | $7 | $134 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $124 | — | $124 | 0.09% |
| JAVIER ORTIZ3 | 165 NORTHEAST 96TH STREET MIAMI SHORES, FL 33138 | AFLAC | $100 | $11 | $111 | 0.08% |
| JENNIFER M GREEN3 | 7240 SOUTHWEST 110TH TERRACE PINECREST, FL 33156 | AFLAC | $92 | — | $92 | 0.06% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $88 | — | $88 | 0.06% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SOUTHWEST 129TH COURT MIAMI, FL 33183 | AFLAC | $73 | — | $73 | 0.05% |
| J W GRIMES INC3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $73 | — | $73 | 0.05% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SOUTHEAST 6TH STREET APARTMENT 1709 MIAMI, FL 33131 | AFLAC | $62 | — | $62 | 0.04% |
| MARIA CARDENAL3 | 10301 SOUTHWEST 98TH AVENUE MIAMI, FL 33176 | AFLAC | $48 | $10 | $58 | 0.04% |
| RICARDO AUGUSTIN3 Filed as: RICARDO ENRIQUE AUGUSTIN | 1032 NORTHWEST 87TH AVENUE APARTMENT 101 MIAMI, FL 33172 | AFLAC | $55 | — | $55 | 0.04% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $46 | — | $46 | 0.03% |
| LOURDES M MARRERO3 | 15253 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | AFLAC | $34 | — | $34 | 0.02% |
| G SCOTT COOKE3 | 2832 NORTHEAST 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $23 | $11 | $34 | 0.02% |
| RICARDO AUGUSTIN3 Filed as: RICARDO ENRIQUE AUGUSTIN | 1200 SOUTHWEST 97TH AVENUE MIAMI, FL 33174 | AFLAC | $31 | — | $31 | 0.02% |
| MARTHA BRIEVA3 | 3255 WEST FLAGLER STREET APARTMENT 4 MIAMI, FL 33135 | AFLAC | $30 | — | $30 | 0.02% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $26 | — | $26 | 0.02% |
| ECK INC3 | PO BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $24 | — | $24 | 0.02% |
| RENATO MARRERO3 | 15253 SOUTHWEST 112TH TERRACE MIAMI, FL 33196 | AFLAC | $24 | — | $24 | 0.02% |
| BRIAN MACOMBER3 | 20 NORTH WATERVIEW ROAD PALM COAST, FL 32137 | AFLAC | $17 | — | $17 | 0.01% |
| K W D & ASSOC INC3 | 1640 WEST OAKLAND PARK BOULEVARD SUITE 202 OAKLAND PARK, FL 33311 | AFLAC | $17 | — | $17 | 0.01% |
| KATLYN SUZANN FICKEISSEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN GALLIPOLI3 | 4385 STATESVILLE ROAD WATERTOWN, FL 37184 | AFLAC | $15 | — | $15 | 0.01% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON ROAD SUITE 4 COLUMBUS, GA 31907 | AFLAC | $15 | — | $15 | 0.01% |
| ISIS FERNANDEZ3 | 2942 SOUTHWEST 34TH AVENUE MIAMI, FL 33133 | AFLAC | $15 | — | $15 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $13 | — | $13 | 0.01% |
| DE VITA B MCKENZIE3 | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $12 | — | $12 | 0.01% |
| KAHN-CARLIN & CO INC3 | 3350 SOUTH DIXIE HIGHWAY MIAMI, FL 33133 | AFLAC | $11 | — | $11 | 0.01% |
| SUE EUSEPI AND ASSOC INC3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $10 | — | $10 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FM 33458 | AFLAC | $10 | — | $10 | 0.01% |
| DENISSE HANDAL3 | 1032 NORTHWEST 87TH AVENUE APARTMENT 101 MIAMI, FL 33172 | AFLAC | $10 | — | $10 | 0.01% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $10 | — | $10 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $10 | — | $10 | 0.01% |
| RAMON E MASCANOSA3 | PO BOX 9 ALTOONA, FL 32702 | AFLAC | $9 | — | $9 | 0.01% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PLACE LAS VEGAS, NV 89135 | AFLAC | $9 | — | $9 | 0.01% |
| A & A INS SERV INC3 | 330 SOUTHEAST 20TH AVENUE APARTMENT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $8 | — | $8 | 0.01% |
| NESTOR J RODRIGUEZ3 | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $8 | — | $8 | 0.01% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $8 | — | $8 | 0.01% |
| MARK C LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.00% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $7 | — | $7 | 0.00% |
| SANDRA VELAZQUEZ3 | 6374 SOUTHWEST 22ND STREET MIAMI, FL 33155 | AFLAC | $7 | — | $7 | 0.00% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY SUITE 35 WEST PALM BEACH, FL 33407 | AFLAC | $6 | — | $6 | 0.00% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $6 | — | $6 | 0.00% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $6 | — | $6 | 0.00% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $4 | — | $4 | 0.00% |
| ELIZABETH B BOWDRING3 | 8617 FORT HUNT ROAD ALEXANDRIA, VA 22308 | AFLAC | $4 | — | $4 | 0.00% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $3 | — | $3 | 0.00% |
| OMER S BASS IV3 | 565 WEST GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTINA DIANE HARRIMAN3 | 6810 SOUTHWEST 134TH AVENUE MIAMI, FL 33183 | 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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 806 | $10.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 557 | $531K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 557 | $531K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 845 | $325K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 845 | $325K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 845 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.