| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SARA G. LOPEZ3 | 7425 SW 129TH CT. MIAMI, FL 33183 | HEALTH OPTIONS, INC. | $106K | $0 | $106K | 6.00% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 6.00% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 4.37% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $4K | $281 | $4K | 6.32% |
| SHIRLEY SASTRE SOUTO3 | AND VARIOUS OTHER BROKERS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3K | $203 | $4K | 5.75% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $2K | $228 | $2K | 3.03% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 9.27% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 9.27% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $3K | $0 | $3K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $11 | $0 | $11 | 0.03% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | USABLE LIFE | $1K | $0 | $1K | 10.67% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $147 | $0 | $147 | 1.11% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $527 | $0 | $527 | 10.72% |
| SHIRLEY SASTRE SOUTO3 | AND VARIOUS OTHER BROKERS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $448 | $0 | $448 | 9.11% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $447 | $0 | $447 | 9.09% |
| SARA G. LOPEZ3 | 7425 SW 129TH CT MIAMI, FL 33183 | USABLE LIFE | $143 | $0 | $143 | 10.18% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $16 | $0 | $16 | 1.14% |
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 | 341 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 341 | $2.1M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 258 | $138K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 386 | $36K |
| Life insurance | USABLE LIFE | 53 | $13K |
| Other | USABLE LIFE | 48 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.