| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS, INC. | $168K | $0 | $168K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA, INC. | $24K | — | $24K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FLORIDA COMBINED LIFE | $12K | $0 | $12K | 4.56% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $2K | $29K | 17.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $2K | $23K | 14.13% |
| LUIS CARLOS GONZALEZ AND OTHERS3 | 6755 MIAMI LAKES DRIVE APARTMENT J135 MIAMI LAKES, FL 33014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 7.86% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY STREET PORT SAINT LUCIA, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 3.15% |
| CLAUDIA ATALIA SANCHEZ ROZO3 | 23150 SW 129 PLACE MIAMI, FL 33170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $141 | $5K | 3.09% |
| CHARLES ROBERT MAURICE3 | 3311 NW 26TH AVENUE GAINESVILLE, FL 32605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.92% |
| EM PROPERTY & CASUALTY LLC3 Filed as: EM PROPERTY AND CASUALTY, LLC | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $679 | $3K | 1.73% |
| TOMORROWS SOLUTION INC3 Filed as: TOMORROWS SOLUTION, INC. | 2841 NE 55TH PLACE FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 16.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.17% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $787 | $787 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| SARA G. LOPEZ3 | 7425 SW 129TH COURT MIAMI, FL 33183 | AFLAC | $414 | $0 | $414 | 4.03% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | AFLAC | $167 | $0 | $167 | 1.62% |
| LANDERS STEIN AND ASSOCIATES3 | 4970 SW 72ND AVENUE SUITE 107 MIAMI, FL 33155 | AFLAC | $103 | $0 | $103 | 1.00% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $75 | $0 | $75 | 0.73% |
| ROANLD INFANTINO AND OTHER AGENTS3 | 2680 TRILLIUM RIDGE UNIT 3210 THE VILLAGES, FL 32163 | AFLAC | $75 | $0 | $75 | 0.73% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $45 | $0 | $45 | 0.44% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $34 | $0 | $34 | 0.33% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | AFLAC | $5 | $0 | $5 | 1.88% |
| ANA MARIA LOPEZ3 | PO BOX 560147 MIAMI, FL 33256 | AFLAC | $5 | $0 | $5 | 1.88% |
| SARA G. LOPEZ3 | 7425 SW 129TH COURT MIAMI, FL 33183 | AFLAC | $5 | $0 | $5 | 1.88% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $3 | $0 | $3 | 1.13% |
| LANDERS STEIN AND ASSOCIATES3 | 4970 SW 72ND AVENUE SUITE 107 MIAMI, FL 33155 | AFLAC | $2 | $0 | $2 | 0.75% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 409 | $3.2M |
| Dental | FLORIDA COMBINED LIFE | 249 | $261K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA, INC. | 48 | $407K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 232 | $113K |
| Short-term disability(2 contracts) | AFLAC | 23 | $11K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 409 | $3.2M |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 330 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.