| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC. | 6830 SOUTHWEST 133RD TERRACE MIAMI, FL 33156 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 5.00% |
| MIER INSURANCE GROUP INC3 | 6830 SOUTHWEST 133RD TERRACE MIAMI, FL 33156 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | — | $4K | 16.24% |
| MIER INSURANCE GROUP INC3 | 6830 SOUTHWEST 133RD TERRACE MIAMI, FL 33156 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.17% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BOULEVARD MIAMI, FL 33157 | AFLAC | $2K | — | $2K | 17.55% |
| JACQUELINE TIFFER3 | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $2K | — | $2K | 14.81% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $419 | — | $419 | 4.04% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SOUTHEAST 6TH STREET APT 1709 MIAMI, FL 33131 | AFLAC | $416 | — | $416 | 4.01% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $385 | — | $385 | 3.71% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BOULEVARD MIAMI, FL 33157 | AFLAC | $917 | — | $917 | 23.94% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $416 | — | $416 | 10.86% |
| JACQUELINE TIFFER3 | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $251 | — | $251 | 6.55% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $160 | — | $160 | 4.18% |
| JACQUELINE TIFFER3 | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $620 | — | $620 | 20.90% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $294 | — | $294 | 9.91% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SOUTHEAST 6TH STREET APT 1709 MIAMI, FL 33131 | AFLAC | $207 | — | $207 | 6.98% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $101 | — | $101 | 3.40% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $419K |
| Dental | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | 195 | $25K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $21K |
| Short-term disability(3 contracts) | AFLAC | 18 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 95 | $419K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.