| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $44K | — | $44K | 5.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 6711 COLUMBIA GATEWAY DRIVE COLUMBIA, MN 21046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $559 | $4K | 10.97% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $876 | $125 | $1K | 2.93% |
| LAWRENCE DAVID FURNISS3 Filed as: LAWRENCE FURNISS | 12825 SW 112 TERR. MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 1.82% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $25 | $508 | 1.49% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE. APT. 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $10 | $453 | 1.33% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | — | $424 | 1.24% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR. GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $253 | $8 | $261 | 0.76% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERR PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 0.59% |
| NICOLE ESQUEN3 | 12855 SW 136TH AVE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $24 | $133 | 0.39% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $6 | $131 | 0.38% |
| ANGELICA MASELLI3 | 1900 SW 8TH MIAMI, FL 33135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.32% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.30% |
| IVAN GONIMA3 | 1406 SELBYDON WAY WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| WILLAM ROCKER3 | 16920 SW 78TH PL. PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.12% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $3 | $23 | 0.07% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $7 | $11 | 0.03% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.02% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR. BOCA RATON, FL 33433 | AFLAC | $1K | $36 | $1K | 5.22% |
| SHARON BASSOFF INC3 Filed as: SHARON BASOFF INC. | 11550 SW 9TH CT. PEMBROKE PINES, FL 33025 | AFLAC | $770 | $54 | $824 | 3.16% |
| STEVEN B HULNICK3 Filed as: STEVEN HULNICK | 7878 EMERALD WINDS CIR. BOYNTON BEACH, FL 33473 | AFLAC | $307 | — | $307 | 1.18% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVE. WILTON MANORS, FL 33334 | AFLAC | $139 | $18 | $157 | 0.60% |
| JAVIER ORTIZ3 | 165 NE 96TH ST. MIAMI SHORES, FL 33138 | AFLAC | $88 | $18 | $106 | 0.41% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD. THOMSON, GA 30824 | AFLAC | $98 | — | $98 | 0.38% |
| BARRY BAYUK3 | 7193 VENETO DR. BOYNTON BEACH, FL 33437 | AFLAC | $97 | — | $97 | 0.37% |
| RUSSELL SHAYNE FOX3 | 9272 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $89 | — | $89 | 0.34% |
| KWD & ASSOC INC3 Filed as: KWD & ASSOC. INC. | 1640 W. OAKLAND PARK BLVD. STE. 202 OAKLAND PARK, FL 33311 | AFLAC | $85 | — | $85 | 0.33% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PKY. STE. 35 WEST PALM BEACH, FL 33407 | AFLAC | $80 | — | $80 | 0.31% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $75 | — | $75 | 0.29% |
| BRENDA LYNN GARRETT3 | 107 S SAN AGUSTIN DR MOORESVILLE, NC 28117 | AFLAC | $63 | — | $63 | 0.24% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $55 | — | $55 | 0.21% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR. LAKE WORTH, FL 33467 | AFLAC | $54 | — | $54 | 0.21% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKY. STE. 900 ATLANTA, GA 30339 | AFLAC | $51 | — | $51 | 0.20% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PKWY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $32 | — | $32 | 0.12% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD. COLUMBUS, GA 31904 | AFLAC | $24 | — | $24 | 0.09% |
| BRENDA LYNN GARRETT3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $24 | — | $24 | 0.09% |
| RUSSELL SHAYNE FOX3 | 5241 CEDAR LAKE RD APT 434 BOYNTON BEACH, FL 33437 | AFLAC | $22 | — | $22 | 0.08% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST. FORT LAUDERDALE, FL 33308 | AFLAC | $21 | — | $21 | 0.08% |
| CHRISTIANO AND CO INC3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $19 | — | $19 | 0.07% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR. COLUMBUS, GA 31909 | AFLAC | $13 | — | $13 | 0.05% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LN. ST. CHARLES, IL 60175 | AFLAC | $12 | — | $12 | 0.05% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $10 | — | $10 | 0.04% |
| MATTHEW PINER3 | 100 S. SMITHFIELD RD. KNIGHTDALE, NC 27545 | AFLAC | $9 | — | $9 | 0.03% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN. WEST PALM BEACH, FL 33418 | AFLAC | $9 | — | $9 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR. JUPITER, FL 33458 | AFLAC | $7 | — | $7 | 0.03% |
| EMILY E INTOPPA3 Filed as: EMILY INTOPPA | 911 PEA RIDGE RD. JULIETTE, GA 31046 | AFLAC | $6 | — | $6 | 0.02% |
| EMILY B WAYMAN3 Filed as: EMILY WAYMAN | 1199 S. FEDERAL HWY. STE. 155 BOCA RATON, FL 33432 | AFLAC | $5 | — | $5 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $5 | — | $5 | 0.02% |
| BILINGUAL BENEFITS CONSULTANTS INC3 Filed as: BILINGUAL BENEFITS CONSULTANTS INC. | 2383 AKERS MILL RD. APT. S15 ATLANTA, GA 30039 | AFLAC | $4 | — | $4 | 0.02% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR. MOORPARK, CA 93021 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE CT. NW CHARLESTON, TN 37310 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE DR. STE. 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 Filed as: DEBORAH JONGES | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $2 | — | $2 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S. 17TH ST. WILMINGTON, NE 28401 | 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% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 30 | $26K |
| Dental | HUMANA INSURANCE COMPANY | 202 | $787K |
| Vision | HUMANA INSURANCE COMPANY | 202 | $787K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $40K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $40K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.