| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $139K | $139K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $33K | $33K | 0.19% |
| MJ INSURANCE3 Filed as: MARTA M. SASTRE AND VARIOUS AGENTS | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $22K | $887 | $23K | 3.82% |
| CECILIA N KOLSTAD3 Filed as: CECILIA N. KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $21K | $1K | $22K | 3.68% |
| LON R KOLSTAD3 Filed as: LON R. KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $19K | $1K | $20K | 3.35% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $15K | $1K | $16K | 2.59% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 300 EAST ESPLANADE DRIVE, SUITE 122 OXNARD, CA 93036 | AFLAC | $3K | $565 | $4K | 0.63% |
| VINCENT P ANDREANO3 Filed as: VINCENT P. ANDREANO | 3915 WILD LIME LANE CORAL SPRINGS, FL 33065 | AFLAC | $3K | $0 | $3K | 0.46% |
| JOH H. VRATINAS3 | 2821 NORTH OCEAN BOULEVARD SUITE 305 FORT LAUDERDALE, FL 33308 | AFLAC | $2K | $0 | $2K | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | GENWORTH LIFE INSURANCE COMPANY | $69K | $0 | $69K | 13.54% |
| MJ INSURANCE3 Filed as: SEGUROS CORTES AND VARIOUS AGENTS | 393 CALLE JARDIN LIBERTAD JARD DE MEDITERRANEO TOA ALTA, PR 00953 | AFLAC | $23K | $305 | $23K | 5.63% |
| CECILIA N KOLSTAD3 Filed as: CECILIA N. KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 36084 | AFLAC | $10K | $432 | $10K | 2.45% |
| LON R KOLSTAD3 Filed as: LON R. KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $9K | $453 | $9K | 2.26% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $6K | $421 | $6K | 1.56% |
| VINCENT P ANDREANO3 Filed as: VINCENT P. ANDREANO | 3915 WILD LIME LANE CORAL SPRINGS, FL 33065 | AFLAC | $2K | $0 | $2K | 0.44% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $1K | $224 | $1K | 0.33% |
| JUDY L EDWARDS3 Filed as: JUDY L. EDWARDS | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $978 | $0 | $978 | 0.24% |
| MARY FRANCES CARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $21 | $0 | $21 | 5.47% |
| SHELLY M THOMPSON3 Filed as: SHELLY M. THOMPSON | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $9 | $0 | $9 | 2.34% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $2 | $0 | $2 | 0.52% |
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 | 10,505 | 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) | 10,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 10,115 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,586 | $17.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,586 | $18.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,586 | $17.7M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,586 | $19.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,586 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.