| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 | 13615 S DIXIE HWY # 552 MIAMI, FL 33176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 4.61% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE COMPANY | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 13.53% |
| JACQUELINE TIFFER3 | 11980 SW 144 CT STE 110 MIAMI, FL 33186 | AFLAC | $3K | $42 | $3K | 5.75% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SE 6TH APT 1709 MIAMI, FL 33131 | AFLAC | $1K | $54 | $1K | 2.76% |
| JANET IBANEZ3 | 10205 SW 130TH LN MIAMI, FL 33176 | AFLAC | $1K | $85 | $1K | 2.26% |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $711 | $49 | $760 | 1.53% |
| JESSICA MIRANDA VILLA3 | 11 SW 32ND AVE APT 9 MIAMI, FL 33135 | AFLAC | $288 | — | $288 | 0.58% |
| HUGO DELFINCORDERO ECHEZURIA3 | 8470 SW 150TH AVE APT 106 MIAMI, FL 33193 | AFLAC | $288 | — | $288 | 0.58% |
| JESSICA MUNOZ3 | 11460 SW 102ND STREET MIAMI, FL 33176 | AFLAC | $247 | — | $247 | 0.50% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $163 | — | $163 | 0.33% |
| TONY DIAZ3 | 2620 SW 92ND CT MIAMI, FL 33165 | AFLAC | $76 | $66 | $142 | 0.29% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $138 | — | $138 | 0.28% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD MIAMI, FL 33157 | AFLAC | $66 | $45 | $111 | 0.22% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMPSON, GA 30824 | AFLAC | $44 | — | $44 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $37 | — | $37 | 0.07% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $30 | — | $30 | 0.06% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $19 | — | $19 | 0.04% |
| CARLOS V ESTRONZA3 | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $17 | — | $17 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 Filed as: SUWAT ASSAWAMATIYANOT | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $15 | — | $15 | 0.03% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $11 | — | $11 | 0.02% |
| DE VITA B MCKENZIE3 | 110 SE 6TH ST STE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $11 | — | $11 | 0.02% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $9 | — | $9 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 Filed as: SUWAT ASSAWAMATIYANOT | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $9 | — | $9 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $9 | — | $9 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $8 | — | $8 | 0.02% |
| NORI PINO3 | 15340 SW 156TH AVE MIAMI, FL 33187 | AFLAC | $6 | — | $6 | 0.01% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $2 | — | $2 | 0.00% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRIT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STD 100 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP | 13615 S DIXIE HWY # 552 MIAMI, FL 33176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 9.88% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 57 | $50K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 81 | $42K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $108K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $158K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $108K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $108K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.