| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $64K | $64K | 4.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MARIA C ORTIZ3 | 7400 SW 50 TR STE 300 MIAMI, FL 33155 | AFLAC | $3K | $262 | $3K | 6.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | AFLAC | $933 | — | $933 | 2.07% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $713 | $44 | $757 | 1.68% |
| ELIZABETH MARIA SARDINAS TORRES3 | 15453 SW 139TH ST MIAMI, FL 33196 | AFLAC | $513 | — | $513 | 1.14% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $272 | — | $272 | 0.60% |
| MARIA MARRERO3 | 8523 SW 74TH ST MIAMI, FL 33143 | AFLAC | $150 | — | $150 | 0.33% |
| JORGE F PENA3 Filed as: JORGE PENA | PO BOX 162956 MIAMI, FL 33116 | AFLAC | $103 | — | $103 | 0.23% |
| KACHATURIAN ENTERPRISES INC3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $52 | — | $52 | 0.12% |
| CHRISTINA MARIA ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $51 | — | $51 | 0.11% |
| LISETTE M HERNANDEZ3 | 500 N WEST SHORE BLVD STE 1015 TAMPA, FL 33609 | AFLAC | $28 | — | $28 | 0.06% |
| MARRIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $27 | — | $27 | 0.06% |
| YOLANDA F LASTRA3 | 9733 NW 45TH LN DORAL, FL 33178 | AFLAC | $26 | — | $26 | 0.06% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $12 | — | $12 | 0.03% |
| KENDALL C HUDSON3 | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $10 | — | $10 | 0.02% |
| C HUDSON AND ASSOCIATES3 Filed as: C. HUDSON AND ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $8 | — | $8 | 0.02% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 4611 S 96TH ST STE 100 OMAHA, NE 68127 | AFLAC | $6 | — | $6 | 0.01% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $6 | — | $6 | 0.01% |
| DE VITA B MCKENZIE3 | 110 SE 6TH ST STE1700 FT LAUDERDALE, FL 33301 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.01% |
| DENISSE HANDAL3 | 920 SW 155TH CT MIAMI, FL 33194 | AFLAC | $4 | — | $4 | 0.01% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $3 | — | $3 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $2 | — | $2 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | 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% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $832 | — | $832 | 6.76% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $80K |
| Vision | VISION SERVICE PLAN | 151 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $68K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $68K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.