| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER ASSOC. | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | HEALTH OPTIONS | $119K | — | $119K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | HEALTH OPTIONS | $23K | — | $23K | 0.65% |
| EDBROOKE/STELCNER & ASSOCIATES, INC3 Filed as: EDBROOKE STELCNER ASSOC. | 75 CALENCIA AVE SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 0.60% |
| EDBROKE STELCNER ASSOC.3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | GUARDIAN | $37K | — | $37K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | GUARDIAN | $6K | — | $6K | 1.07% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 6.97% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE AND VARIOUS | OTHER AGENTS PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $4K | $109 | $4K | 6.40% |
| MARIA ORTIZ3 | 7400 SW 50TH TER SUITE 300 MIAMI, FL 33155 | AFLAC | $4K | $36 | $4K | 5.26% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33114 | AFLAC | $2K | $55 | $2K | 2.41% |
| LORENA GILER LOPEZ3 | 7784 271ST STREET NEW HYDE PARK, NY 11040 | AFLAC | $409 | $95 | $504 | 7.96% |
| MARIA ORTIZ3 Filed as: MARIA ORTIZ AND OTHER | VARIOUS AGENTS 7400 SW 50TH TER SUITE 300 MIAMI, FL 33155 | AFLAC | $352 | $44 | $396 | 6.25% |
| LISSETTE FERNANDEZ3 | 75 VALENCIA AVE SUITE 500 CORAL GABLES, FL 33134 | AFLAC | $291 | $63 | $354 | 5.59% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $131 | $19 | $150 | 2.37% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS | 297 | $4.3M |
| Dental | GUARDIAN | 320 | $543K |
| Vision | GUARDIAN | 320 | $543K |
| Life insurance | GUARDIAN | 320 | $543K |
| Short-term disability | GUARDIAN | 320 | $543K |
| Long-term disability | GUARDIAN | 320 | $543K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 320 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.