| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $230K | $230K | 1.19% |
| LON R KOLSTAD3 Filed as: LON KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $20K | $884 | $20K | 4.17% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $17K | $570 | $17K | 3.54% |
| MJ INSURANCE3 Filed as: DE VITA MCKENZIE AND VARIOUS AGENTS | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $15K | $303 | $15K | 3.06% |
| ELAINE KOLSTAD DUBE3 Filed as: ELAINE DUBE | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $12K | $664 | $12K | 2.52% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCE CORPORATION | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | AFLAC | $2K | $361 | $2K | 0.50% |
| VINCENT P ANDREANO3 Filed as: VINCENT ANDREANO | 3915 WILD LIME LANE CORAL SPRINGS, FL 33065 | AFLAC | $2K | $0 | $2K | 0.40% |
| JOHN H VRATSINAS3 Filed as: JOHN VRATSINAS | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | AFLAC | $2K | $0 | $2K | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | GENWORTH LIFE INSURANCE COMPANY | $83K | $0 | $83K | 17.24% |
| MJ INSURANCE3 Filed as: JUDY EDWARDS AND VARIOUS AGENTS | PO BOX 67 GRANBURY, TX 76048 | AFLAC | $19K | $36 | $19K | 5.41% |
| LON R KOLSTAD3 Filed as: LON KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $9K | $279 | $9K | 2.65% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $8K | $272 | $8K | 2.33% |
| ELAINE KOLSTAD DUBE3 Filed as: ELAINE DUBE | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $5K | $309 | $6K | 1.60% |
| VINCENT P ANDREANO3 Filed as: VINCENT ANDREANO | 3915 WILD LIME LANE CORAL SPRINGS, FL 33065 | AFLAC | $1K | $0 | $1K | 0.39% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCE CORPORATION | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | AFLAC | $763 | $125 | $888 | 0.26% |
| SEGUROS CORTES INC3 Filed as: SEGUROS CORTES, INC. | 393 CALLE JARDIN LIBERTAD JARD DE MEDITERRANEO TOA ALTA, PR 00953 | AFLAC | $818 | $0 | $818 | 0.24% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $22 | $0 | $22 | 5.29% |
| SHELLY M THOMPSON3 Filed as: SHELLY THOMPSON | 17036 FOX TRAIL LANE LOXAHATCHEE, FL 33470 | AFLAC | $10 | $0 | $10 | 2.40% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $2 | $0 | $2 | 0.48% |
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 | 10,141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 263 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 8,333 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,215 | $19.3M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,215 | $19.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,215 | $19.3M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,215 | $20.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,215 | — |
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."
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.