| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWRENCE D SHARE COMPANY3 | 1200 S PINE ISLAND RD STE 400 PLANTATION, FL 33324 | AVMED | $67K | $0 | $67K | 5.94% |
| LAWRENCE D SHARE COMPANY3 Filed as: LAWRENCE D. SHARE CO | 1200 S PINE ISLAND RD SUITE400 PLANTATION, FL 33324 | HARTFORD LIFE AND ACCIDENT | $10K | $7K | $17K | 17.07% |
| LAWRENCE D SHARE COMPANY3 | 1200 S PINE ISLAND RD STE 400 PLANTATION, FL 33324 | SOLSTICE BENEFITS INC | $8K | $0 | $8K | 11.37% |
| LAWRENCE D SHARE COMPANY3 Filed as: LAWRENCE D SHARE COMPANY INC | 1200 S PINE ISLAND RD STE 400 PLANTATION, FL 33324 | AFLAC | $2K | $0 | $2K | 8.15% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $841 | $46 | $887 | 4.40% |
| LON R KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $535 | $61 | $596 | 2.96% |
| ELAINE KOLSTAD DUBE3 Filed as: ELAINE KOSTAD DUBE | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $564 | $19 | $583 | 2.89% |
| DE VITA B MCKENZIE3 | 110 SE 6TH ST STE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $323 | $12 | $335 | 1.66% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $51 | $9 | $60 | 0.30% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $48 | $0 | $48 | 0.24% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $36 | $0 | $36 | 0.18% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $34 | $0 | $34 | 0.17% |
| CHRISTEN A CHASON3 | 40374 SW FOREST RD 181 BRISTOL, FL 32321 | AFLAC | $27 | $0 | $27 | 0.13% |
| SINGER INSURANCE SERVICE3 | 15450 NEW BARN RD #309 MIAMI LAKES, FL 33014 | AFLAC | $26 | $0 | $26 | 0.13% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP | 1425 PIEDMONT DR E, STE 101B TALLAHASSEE, FL 32308 | AFLAC | $4 | $0 | $4 | 0.02% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOONPARK, CA 98021 | AFLAC | $2 | $0 | $2 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $2 | $0 | $2 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $2 | $0 | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 251 | $1.1M |
| Dental | SOLSTICE BENEFITS INC | 284 | $71K |
| Vision | SOLSTICE BENEFITS INC | 284 | $71K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 289 | $100K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 289 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 289 | $100K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 289 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.