| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $80K | $80K | 4.02% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.43% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 9.65% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.17% |
| EMILY B WAYMAN3 | 1199 S FEDERAL HWY STE 155 BOCA RATON, FL 33432 | AFLAC | $8K | $201 | $8K | 5.54% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $6K | $94 | $7K | 4.66% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $2K | $70 | $2K | 1.40% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $1K | $70 | $1K | 0.98% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $660 | — | $660 | 0.47% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $541 | — | $541 | 0.39% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $335 | — | $335 | 0.24% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVE STE G03 RALEIGH, NC 27612 | AFLAC | $323 | — | $323 | 0.23% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $292 | — | $292 | 0.21% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $176 | — | $176 | 0.13% |
| SHARON BASSOFF INC3 | 11550 SW 9TH CT PEMBROKE PINES, FL 33025 | AFLAC | $157 | — | $157 | 0.11% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PKWY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $140 | — | $140 | 0.10% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $135 | — | $135 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $127 | — | $127 | 0.09% |
| ANDREE BURKE3 Filed as: ANDREE D BURKE | 15640 HUNTRIDGE RD DAVIE, FL 33331 | AFLAC | $124 | — | $124 | 0.09% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $117 | — | $117 | 0.08% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $92 | — | $92 | 0.07% |
| LINDA CROOK3 | 13320 PARKSIDE TER COOPER CITY, FL 33330 | AFLAC | $92 | — | $92 | 0.07% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $87 | — | $87 | 0.06% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $74 | — | $74 | 0.05% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $71 | — | $71 | 0.05% |
| LAUREN ISAACSON3 | 33 SE 8TH ST APT 312 BOCA RATON, FL 33432 | AFLAC | $69 | — | $69 | 0.05% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $56 | — | $56 | 0.04% |
| LOURDES M MARRERO3 | 15253 SW 112TH TER MIAMI, FL 33196 | AFLAC | $55 | — | $55 | 0.04% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $54 | — | $54 | 0.04% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $52 | — | $52 | 0.04% |
| ALAN D DISKIN3 | 9114 DUNBARTON CT KNOXVILLE, TN 37923 | AFLAC | $45 | — | $45 | 0.03% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $41 | — | $41 | 0.03% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $36 | — | $36 | 0.03% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $36 | — | $36 | 0.03% |
| GREGG L DENHOFFER3 | 25061 E OTTAWA DR AURORA, CO 80016 | AFLAC | $34 | — | $34 | 0.02% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $21 | — | $21 | 0.01% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $20 | — | $20 | 0.01% |
| ERIC W HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $17 | — | $17 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $17 | — | $17 | 0.01% |
| CROWN INS SERV INC3 | 2901 CLINT MOORE RD STE 288 BOCA RATON, FL 33496 | AFLAC | $15 | — | $15 | 0.01% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DR BOYNTON BEACH, FL 33437 | AFLAC | $13 | — | $13 | 0.01% |
| GAIL M JANK3 | 1227 SW TAMARIND WAY BOCA RATON, FL 33486 | AFLAC | $13 | — | $13 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $12 | — | $12 | 0.01% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $10 | — | $10 | 0.01% |
| JEFFREY SOLODKIN3 | 4000 HOLLYWOOD BLVD STE 495S HOLLYWOOD, FL 33021 | AFLAC | $10 | — | $10 | 0.01% |
| LANA M KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $8 | — | $8 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $8 | — | $8 | 0.01% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $8 | — | $8 | 0.01% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $5 | — | $5 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $5 | — | $5 | 0.00% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH CT MIAMI, FL 33176 | AFLAC | $4 | — | $4 | 0.00% |
| RENATO MARRERO3 | 15253 SW 112TH TER MIAMI, FL 33196 | AFLAC | $4 | — | $4 | 0.00% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSEPI | PO BOX 631 JUPITER, FL 33468 | AFLAC | $3 | — | $3 | 0.00% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.00% |
| RONALD INFANTINO3 | 9380 SW 170TH PATH APT 8-102 MIAMI, FL 33196 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.00% |
| ALAN BRUCE WAYNE3 | 356 GOLFVIEW RD APT 404 NORTH PALM BEACH, FL 33408 | AFLAC | $2 | — | $2 | 0.00% |
| ANA MARIA LOPEZ3 | PO BOX 56014 MIAMI, FL 33256 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 10.07% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.16% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $432 | — | $432 | 3.33% |
| EMILY B WAYMAN3 | 1199 S FEDERAL HWY STE 155 BOCA RATON, FL 33432 | AFLAC | $419 | — | $419 | 3.23% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $106 | — | $106 | 0.82% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $93 | — | $93 | 0.72% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $77 | — | $77 | 0.59% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $68 | — | $68 | 0.52% |
| ELIZABETH GUZMAN3 | 10623 NW 6TH CT CORAL SPRINGS, FL 33071 | AFLAC | $62 | — | $62 | 0.48% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $60 | — | $60 | 0.46% |
| EMILY B WAYMAN3 | 1199 SOUTH FEDERAL HIGHWAY SUITE 155 BOCA RATON, FL 33432 | AFLAC | $49 | — | $49 | 0.38% |
| ANDREE BURKE3 Filed as: ANDREE D BURKE | 15640 HUNTRIDGE RD DAVIE, FL 33331 | AFLAC | $46 | — | $46 | 0.35% |
| STEVEN MARK ABRAMS3 Filed as: STEVEN ABRAMS | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $39 | — | $39 | 0.30% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $17 | — | $17 | 0.13% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $17 | — | $17 | 0.13% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVE STE G03 RALEIGH, NC 27612 | AFLAC | $14 | — | $14 | 0.11% |
| STEVEN MARK ABRAMS3 | 22921 IRONWEDGE DR BOCA RATON, FL 33433 | AFLAC | $13 | — | $13 | 0.10% |
| LINDA CROOK3 | 13320 PARKSIDE TER COOPER CITY, FL 33330 | AFLAC | $12 | — | $12 | 0.09% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $11 | — | $11 | 0.08% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $9 | — | $9 | 0.07% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $7 | — | $7 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $5 | — | $5 | 0.04% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $4 | — | $4 | 0.03% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.02% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.02% |
| LAUREN ISAACSON3 | 33 SE 8TH ST APT 312 BOCA RATON, FL 33432 | AFLAC | $1 | — | $1 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $1 | — | $1 | 0.01% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $179K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $179K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 440 | $222K |
| Short-term disability(2 contracts) | AFLAC | 183 | $153K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.