| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 | 13615 S DIXIE HWY #552 MIAMI, FL 33176 | CIGNA HEALTH LIFE INSURANCE COMPANY | — | $40K | $40K | 4.35% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH LIFE INSURANCE COMPANY | — | $18K | $18K | 1.90% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP | 6830 SW 133RD TERRACE MIAMI, FL 33156 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 13.23% |
| JACQUILINE TIFFER3 | 14295 SW 142DN ST MIAMI, FL 33186 | AFLAC | $8K | $413 | $8K | 11.75% |
| MIER INSURANCE GROUP INC3 | 6830 SW 133RD TERRACE MIAMI, FL 33156 | AFLAC | $2K | — | $2K | 3.06% |
| JANET IBANEZ3 | 14295 SW 142 ND STREET MIAMI, FL 33186 | AFLAC | $2K | $82 | $2K | 2.66% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $1K | $83 | $1K | 1.92% |
| ALFRED RIETKERK3 | 3120 NE 47 ST FORT LAUDERDALE, FL 33308 | AFLAC | $331 | $80 | $411 | 0.60% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE STE 300 MIAMI, FL 33155 | AFLAC | $117 | — | $117 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $64 | — | $64 | 0.09% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMON, GA 30824 | AFLAC | $58 | — | $58 | 0.08% |
| LELAND E MCCRAVY3 Filed as: LELAND E MACCCRAVY | 9736 SPYGLASS RD VILLA RICA, GA 30180 | AFLAC | $39 | — | $39 | 0.06% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSINGS WAY REUNION, FL 34747 | AFLAC | $24 | — | $24 | 0.04% |
| NORI PINO3 | 15340 SW 156 AVENUE MIAMI, FL 33187 | AFLAC | $17 | — | $17 | 0.02% |
| CARLOS V ESTRONZA3 | 5454 STIRLING RD DAVIE, FL 33314 | AFLAC | $11 | — | $11 | 0.02% |
| MIER INSURANCE GROUP INC3 | 6830 SW 133RD TERRACE MIAMI, FL 33156 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 14.84% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH LIFE INSURANCE COMPANY | 156 | $997K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $161K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $150K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $219K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $150K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $150K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.