| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 S DIXIE HWY MIAMI, FL 33176 | SUN LIFE ASSURANCE | $12K | — | $12K | 11.25% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $9K | $316 | $10K | 10.25% |
| RICHARD ALAN SELIGSON3 | BOX 970922 BOCA RATON, FL 33497 | AFLAC | $868 | — | $868 | 0.93% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER D LEE | 759 SW FEDERAL HWY STE 218 STUART, FL 34994 | AFLAC | $694 | $7 | $701 | 0.75% |
| MICHAEL K PORTER3 | 4000 HOLLYWOOD BLVD STE 555S HOLLYWOOD, FL 33021 | AFLAC | $569 | — | $569 | 0.61% |
| MARIALENA SELVAGGIO3 | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $382 | $53 | $435 | 0.47% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | AFLAC | $292 | $4 | $296 | 0.32% |
| ETHAN GREER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $221 | $49 | $270 | 0.29% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $227 | — | $227 | 0.24% |
| GERARD F MCCARTHY3 | 8944 NW 52ND CT CORAL SPRINGS, FL 33067 | AFLAC | $160 | — | $160 | 0.17% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 3424 W COMMUNITY DR JUPITER, FL 33458 | AFLAC | $148 | $7 | $155 | 0.17% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $142 | — | $142 | 0.15% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $114 | — | $114 | 0.12% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $84 | — | $84 | 0.09% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 5230 NE 29TH AVE LIGHTHOUSE POINT, FL 33064 | AFLAC | $77 | — | $77 | 0.08% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $63 | — | $63 | 0.07% |
| NADIA DIAZ NORRIS3 | 4572 CONCORDIA LN BOYNTON BEACH, FL 33436 | AFLAC | $55 | — | $55 | 0.06% |
| ERIC W HIRSCHKORN3 | 4406 KELSEY LN SEBASTIAN, FL 32976 | AFLAC | $53 | — | $53 | 0.06% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $51 | — | $51 | 0.05% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $40 | — | $40 | 0.04% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $36 | — | $36 | 0.04% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $36 | — | $36 | 0.04% |
| JOHN DEE MAULDIN3 | 6612 TERRACE MILL LN PLANO, TX 75024 | AFLAC | $32 | — | $32 | 0.03% |
| TERESITA M GARCIA MENDOZA3 | 3051 NE 47TH CT APT 308 FORT LAUDERDALE, FL 33308 | AFLAC | $31 | — | $31 | 0.03% |
| MEGAN E VECKMAN3 | 3763 SIENA CIR WELLINGTON, FL 33414 | AFLAC | $31 | — | $31 | 0.03% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 2908 TIMEWINDER WAY COLUMBIA, TN 38401 | AFLAC | $25 | — | $25 | 0.03% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $20 | — | $20 | 0.02% |
| SEAN PATRICK DUGAN3 | 10443 SW 16TH MNR DAVIE, FL 33324 | AFLAC | $17 | — | $17 | 0.02% |
| JULIE W CRAIG3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $17 | — | $17 | 0.02% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $16 | — | $16 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $14 | — | $14 | 0.02% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105TH TER MIAMI, FL 33186 | AFLAC | $14 | — | $14 | 0.02% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $12 | — | $12 | 0.01% |
| LMA BENEFITS AGENCY LLC3 Filed as: LMA BENEFITS GROUP | 2331 SW 15TH ST APT 29 DEERFIELD BEACH, FL 33442 | AFLAC | $10 | — | $10 | 0.01% |
| PAULA JEAN NICOLO3 | PO BOX 1360 VICTOR, MT 59875 | AFLAC | $10 | — | $10 | 0.01% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $9 | — | $9 | 0.01% |
| MOLLY SCHIBLY CATALDO3 | 609 NE 28TH ST UNIT 3 WILTON MANORS, FL 33334 | AFLAC | $8 | — | $8 | 0.01% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $8 | — | $8 | 0.01% |
| RIBERTO RIVERO3 | 8004 NW 154TH ST PMB 371 MIAMI LAKES, FL 33016 | AFLAC | $8 | — | $8 | 0.01% |
| GREGORY KEITH BRANNON3 | 6727 QUAIL RIDGE DRIVE MONTGOMERY, AL 36117 | AFLAC | $6 | — | $6 | 0.01% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $5 | — | $5 | 0.01% |
| SHELDON FRIEDMAN3 | 11 EDGEMONT PL TEANECK, NJ 07666 | AFLAC | $5 | — | $5 | 0.01% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $3 | — | $3 | 0.00% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $3 | — | $3 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 100 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.00% |
| MARCO A ERAZO3 Filed as: MARCO E ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $2 | — | $2 | 0.00% |
| RAYMOND LEVI3 | 3416 TENNESSEE TER ORLANDO, FL 32806 | AFLAC | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $0 | — | $0 | 0.00% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $0 | — | $0 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD PMB 250 PEMBROKE PINES, FL 33024 | AFLAC | $0 | — | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 14821 S DIXIE HWY MIAMI, FL 33176 | HEALTH OPTIONS | $3K | — | $3K | 5.00% |
| NELSON G FABAL3 | 17820 NW 84TH AVE HIALEAH, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $134 | $2K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LIE | OBA BOUCHARD CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $13 | $564 | 1.57% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $24 | $494 | 1.38% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA LIE | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $52 | $340 | 0.95% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $44 | $194 | 0.54% |
| BRIAN R CHOWNING3 | 36241 S GRAYS AIRPORT RD FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $54 | $183 | 0.51% |
| ANDREA BROWNING2 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $58 | $183 | 0.51% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $37 | $105 | 0.29% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE ST PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.15% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIR APT 20 TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.09% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $7 | $31 | 0.09% |
| ALAN KENNETH MACKAY3 | 2204 16TH STREET CT W BRADENTON, FL 34205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| SEVA GROUP LLC3 | 731 CYPRESS POINTE LANE HAYNESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| GARY NABORS3 Filed as: GARY D NABORS | 1641 WOODFIELD CREEK DR APT 20 WAKE FOREST, NC 27587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| ROBERT CAMERON SNOW3 | 9132 VILLA PALMA LN WEST PALM BEACH, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| THOMAS C HARTLAUB3 | 153 OUR ST HAVANA, FL 32333 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CAITLIN SCHAEFFER3 | 1537 INDIAN DANCE CT MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JENNIFER WEYMOUTH RESMONDO3 Filed as: JENNIFER WEYMOUTH LIE | 2940 OAKTREE DR KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHIRLEY B DRAKE3 | 14141 46TH ST N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 14821 S DIXIE HWY MIAMI, FL 33176 | BLUE CROSS BLUE SHIELD OF FLORIDA | — | — | $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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 37 | $67K |
| Dental | SUN LIFE ASSURANCE | 73 | $108K |
| Vision | SUN LIFE ASSURANCE | 73 | $108K |
| Life insurance | SUN LIFE ASSURANCE | 73 | $108K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 37 | $67K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE | 73 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.