| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 452632886 | HUMANA MEDICAL PLAN, INC. | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ INSURANCE SERVICES | 3945 W ATLANTIC AVE DELRAY BEACH, FL 33445 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 4.83% |
| KATTY W COHEN3 Filed as: KATTY W. COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $8K | $303 | $8K | 11.16% |
| JAVIER ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1K | $73 | $1K | 1.80% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $1K | $73 | $1K | 1.55% |
| EMILY B WAYMAN3 | 1199 SOUTH FEDERAL HIGHWAY SUITE 155 BOCA RATON, FL 33433 | AFLAC | $586 | — | $586 | 0.79% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOO AVE FORT MYERS, FL 33913 | AFLAC | $494 | — | $494 | 0.66% |
| PLASTRIDGE AGENCY INC3 Filed as: THE PLASTRIDGE AGENCY, INC. | 820 NORTH EAST 6TH AVENUE DELRAY BEACH, FL 33483 | AFLAC | $294 | — | $294 | 0.39% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $252 | — | $252 | 0.34% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $183 | — | $183 | 0.25% |
| LUIS M HERNANDEZ-ROSADO3 | 1201 RIVER REACH DR APT 505 FORT LAUDAERDALE, FL 33315 | AFLAC | $135 | $37 | $172 | 0.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $136 | — | $136 | 0.18% |
| WORLDWIDE BENEFITS INC3 | 573 NW 55TH BOCA RATON, FL 33487 | AFLAC | $118 | — | $118 | 0.16% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $106 | — | $106 | 0.14% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $45 | — | $45 | 0.06% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $42 | — | $42 | 0.06% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $41 | — | $41 | 0.06% |
| WEEKES AND CALLAWAY, INC.3 Filed as: WEEKES & CALLAWAY INC | 3945 WEST ATLANTIC AVE DELRAY BEACH, FL 33445 | AFLAC | $39 | — | $39 | 0.05% |
| SUWAT ASSAWAMATIYANONT3 Filed as: SUWAT ASSAWAMATIYANOT | 8171 HAMPTON WOOD APT 505 BOCA RATON, FL 33433 | AFLAC | $32 | — | $32 | 0.04% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $30 | — | $30 | 0.04% |
| JACKIE FRANKLIN3 | 8207 EAGLE CREEK DR LOUISVILLE, KY 40222 | AFLAC | $28 | — | $28 | 0.04% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $25 | — | $25 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $20 | — | $20 | 0.03% |
| MICHAEL A ORTIZ3 | 3219 RENALD LN ST CHARLES, IL 60175 | AFLAC | $20 | — | $20 | 0.03% |
| LANCE E SULLIVAN3 | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $19 | — | $19 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $17 | — | $17 | 0.02% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $16 | — | $16 | 0.02% |
| SOUTHEASTERN UNDWR INC3 | 6751 MACON RD STE 4 COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.01% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $9 | — | $9 | 0.01% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $6 | — | $6 | 0.01% |
| TRACY L MCLEAN3 | 12 OLD ELBERT RD ROYSTON, GA 30662 | AFLAC | $6 | — | $6 | 0.01% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $3 | — | $3 | 0.00% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIR BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRET DR MOORPARK, CA 93021 | AFLAC | $0 | — | $0 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRIT ISLAND, FL 32952 | AFLAC | $0 | — | $0 | 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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 173 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $157K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $157K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $157K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $157K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $157K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 173 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.