| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER ASSOCIATES INC. | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | HEALTH OPTIONS | $149K | — | $149K | 4.00% |
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER ASSOCIATES INC. | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | — | $40K | 4.00% |
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER ASSOCIATES INC. | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 7.60% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $1K | $13K | 7.19% |
| MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $9K | $222 | $9K | 10.03% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | AFLAC | $3K | $113 | $3K | 3.46% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $75 | $2K | 2.19% |
| GABRIELA DEPILLIS3 | 7950 NE BAYSHORE CT APT 1009 MIAMI, FL 33138 | AFLAC | $634 | — | $634 | 0.72% |
| ELVIRA HERNANDEZ3 | 8800 SW 43RD ST MIAMI, FL 33165 | AFLAC | $495 | $66 | $561 | 0.64% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $321 | $75 | $396 | 0.45% |
| JANET IBANEZ3 | 10205 SW 130TH LN MIAMI, FL 33176 | AFLAC | $182 | — | $182 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $163 | — | $163 | 0.19% |
| ANA MARIA LEON3 Filed as: ANA COHEN | 5741 SW 45TH TER MIAMI, FL 33155 | AFLAC | $160 | — | $160 | 0.18% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $133 | — | $133 | 0.15% |
| ANA HEDMAN3 | 10885 NW 7TH ST APT 23 MIAMI, FL 33172 | AFLAC | $131 | — | $131 | 0.15% |
| LILIANNE OUIMET3 | 8 CRAWFORD AVE EXETER, NH 03833 | AFLAC | $126 | — | $126 | 0.14% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $97 | — | $97 | 0.11% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND ST MIAMI, FL 33155 | AFLAC | $76 | — | $76 | 0.09% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $70 | — | $70 | 0.08% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $64 | — | $64 | 0.07% |
| ELLENIT SERRANO3 | 444 HENDRICKS ISLE APT 202 FORT LAUDERDALE, FL 33301 | AFLAC | $62 | — | $62 | 0.07% |
| LOURDES M. ALDEREGUIA3 Filed as: LOURDES ALDEREGUIA | 9808 SW 94TH TER MIAMI, FL 33176 | AFLAC | $51 | — | $51 | 0.06% |
| KATY ECHEVARRIA3 | 14020 SW 104TH PL MIAMI, FL 33176 | AFLAC | $37 | — | $37 | 0.04% |
| JACQUELINE TIFFER3 | 11980 SW 144 CT STE 110 MIAMI, FL 33186 | AFLAC | $27 | — | $27 | 0.03% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $26 | — | $26 | 0.03% |
| DENISSE HANDAL3 | 1032 NW 87TH AVE APT 101 MIAMI, FL 33172 | AFLAC | $26 | — | $26 | 0.03% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL COHEN | 7901 HISPANOLA AVE APT 904 NORTH BAY VILLAGE, FL 33141 | AFLAC | $18 | — | $18 | 0.02% |
| MARTHA BRIEVA3 | 3255 W FLAGLER ST APT 4 MIAMI, FL 33135 | AFLAC | $17 | — | $17 | 0.02% |
| RICARDO AUGUSTIN3 | 1032 NW 87TH AVE APT 101 MIAMI, FL 33172 | AFLAC | $16 | — | $16 | 0.02% |
| RONALD INFANTINO3 | 7242 SW 163RD CT MIAMI, FL 33193 | AFLAC | $16 | — | $16 | 0.02% |
| ISIS FERNANDEZ3 | 2942 SW 34TH AVE MIAMI, FL 33133 | AFLAC | $4 | — | $4 | 0.00% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $2 | — | $2 | 0.00% |
| MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $49 | — | $49 | 2.10% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $42 | — | $42 | 1.80% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | AFLAC | $26 | — | $26 | 1.11% |
| JIM KOKKORIS3 | 2356 28TH ST ASTORIA, NY 11105 | AFLAC | $14 | — | $14 | 0.60% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $13 | — | $13 | 0.56% |
| CAROLINE MOY3 | 2169 E 28TH ST BROOKLYN, NY 11229 | AFLAC | $12 | — | $12 | 0.51% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.47% |
| ELLENIT SERRANO3 | 1850 S OCEAN DR APT 1501 HALLANDALE BEACH, FL 33009 | AFLAC | $9 | — | $9 | 0.39% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $9 | — | $9 | 0.39% |
| STEPHEN WHITE3 | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $6 | — | $6 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN GALLAGHER | 173 GELSTON AVE APT 3D BROOKLYN, NY 11209 | AFLAC | $5 | — | $5 | 0.21% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $3 | — | $3 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC | $1 | — | $1 | 0.04% |
| CHARLES HUDSON3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $1 | — | $1 | 0.04% |
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 | 434 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS | 362 | $4.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $713K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $713K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $713K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $713K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $713K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.