| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE SUITE 2700 MIAMI, FL 33131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $644 | $0 | $644 | 2.53% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS INC. | 5030 CHAMPION BLVD SUITE G6-405 BOCA RATON, FL 33496 | TRANSAMERICA LIFE INSURANCE COMPANY | $681 | $0 | $681 | 12.11% |
| ROBERT M NOE3 Filed as: ROBERT M. NOE | 422 WESTBRIDGE DR KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $272 | $0 | $272 | 4.84% |
| EBS ADVISORS, INC3 Filed as: EBS ADVISORS, INC. | 2805 E OAKLAND BLVD SUITE 450 FORT LAUDERDALE, FL 33306 | TRANSAMERICA LIFE INSURANCE COMPANY | $234 | $0 | $234 | 4.16% |
| EBS ADVISORS, INC3 Filed as: EBS ADVISORS INC. | 2805 E OAKLAND PARK SUITE 450 FORT LAUDERDALE, FL 33306 | COMPBENEFITS | $1K | $0 | $1K | 19.59% |
| A & A INS SERV INC3 Filed as: A AND A INS SERVICES INC | 330 SE 20TH AVENUE SUITE 306 DEERFIELD BEACH, FL 33441 | AFLAC | $533 | $0 | $533 | 9.80% |
| GEOVANNY ENCARNACION3 | 8051 SOUTHGATE BLVD APARTMENT J11 NORTH LAUDERDALE, FL 33323 | AFLAC | $393 | $12 | $405 | 7.45% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $201 | $0 | $201 | 3.70% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $136 | $0 | $136 | 2.50% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY AND AGENTS | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $64 | $0 | $64 | 1.18% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INS GROUP INC | 9179 NW 37TH PLACE CORAL SPRINGS, FL 33065 | AFLAC | $41 | $0 | $41 | 0.75% |
| KATTY W COHEN3 Filed as: KATTY W. COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $19 | $0 | $19 | 0.35% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN FORT LAUDERDALE, FL 33323 | TELADOC | $473 | $0 | $473 | 15.00% |
| KAREN TORCHIA3 | 5030 CHAMPION BLVD SUITE G11-405 BOCA RATON, FL 33496 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $490 | $0 | $490 | 16.60% |
| MAUREEN PENTLAND3 Filed as: MAUREEN D. PENTLAND | 2805 E OAKLAND BLVD SUITE 450 FORT LAUDERDALE, FL 33306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | $0 | $127 | 4.30% |
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 | 973 | 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) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 590 | $896K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,039 | $76K |
| Vision | COMPBENEFITS | 496 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 964 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 964 | $25K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 590 | $896K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 964 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.