| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC. | 68 SOUTHEAST 6TH STREET APARTMENT 1709 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 4.00% |
| MIER INSURANCE GROUP INC3 | 6830 SOUTHWEST 133RD TERRACE MIAMI, FL 33156 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $5K | — | $5K | 14.28% |
| MIER INSURANCE GROUP INC3 | 6830 SOUTHWEST 133RD TERRACE MIAMI, FL 33156 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.55% |
| JACQUELINE TIFFER3 | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $2K | $151 | $2K | 15.73% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BOULEVARD MIAMI, FL 33157 | AFLAC | $580 | $67 | $647 | 5.65% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $347 | $69 | $416 | 3.63% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $298 | $69 | $367 | 3.21% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SOUTHEAST 6TH STREET APT 1709 MIAMI, FL 33131 | AFLAC | $302 | $43 | $345 | 3.01% |
| JACQUELINE TIFFER3 | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $178 | $65 | $243 | 8.71% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $97 | $43 | $140 | 5.02% |
| MIER INSURANCE GROUP INC3 Filed as: MIER INSURANCE GROUP, INC | 68 SOUTHEAST 6TH STREET APT 1709 MIAMI, FL 33131 | AFLAC | $59 | $22 | $81 | 2.90% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $42 | $21 | $63 | 2.26% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NORTHEAST 48TH COURT FORT LAUDERDALE, FL 33308 | AFLAC | $1 | $2 | $3 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | — | $1 | $1 | 0.04% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | — | $1 | $1 | 0.04% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BOULEVARD MIAMI, FL 33157 | AFLAC | $183 | $4 | $187 | 18.03% |
| JACQUELINE TIFFER3 | 15225 SOUTHWEST 140TH STREET MIAMI, FL 33196 | AFLAC | $70 | $2 | $72 | 6.94% |
| JANET IBANEZ3 | 10205 SOUTHWEST 130TH LANE MIAMI, FL 33176 | AFLAC | $57 | $5 | $62 | 5.98% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $33 | $2 | $35 | 3.38% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 148 | $607K |
| Dental | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | 251 | $32K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $28K |
| Short-term disability(3 contracts) | AFLAC | 21 | $15K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 148 | $607K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.