| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWRENCE D SHARE COMPANY3 | 1200 S PINE ISLAND RD STE 400 PLANTATION, FL 33324 | AVMED | $70K | — | $70K | 5.95% |
| LAWRENCE D SHARE COMPANY3 Filed as: LAWRENCE D. SHARE CO INC. | 1200 S PINE ISLAND RD SUITE 400 FORT LAUDERDALE, FL 33324 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 10.00% |
| LAWRENCE D SHARE COMPANY3 | 1200 S PINE ISLAND RD STE 400 PLANTATION, FL 33324 | SOLSTICE BENEFITS INC | $8K | — | $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 | $699 | — | $699 | 4.18% |
| CECILIA KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $352 | $2 | $354 | 2.11% |
| ELAINE KOLSTAD DUBE3 Filed as: ELAINE DUBE | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $122 | — | $122 | 0.73% |
| LON R KOLSTAD3 Filed as: LON KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $103 | — | $103 | 0.62% |
| CHRISTEN A CHASON3 | 40374 SW FOREST RD 181 BRISTOL, FL 32321 | AFLAC | $73 | $14 | $87 | 0.52% |
| DE VITA B MCKENZIE3 | 1050 BISHOPS ST STE 120 HONOLULU, HI 96813 | AFLAC | $80 | $2 | $82 | 0.49% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $58 | — | $58 | 0.35% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $38 | — | $38 | 0.23% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $36 | — | $36 | 0.22% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP | 1425 PIEDMONT DR E, STE 101B TALLAHASSEE, FL 32308 | AFLAC | $10 | $2 | $12 | 0.07% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $9 | — | $9 | 0.05% |
| JUAN C FERLINI3 | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $8 | — | $8 | 0.05% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $8 | — | $8 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.01% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 243 | $1.2M |
| Dental | SOLSTICE BENEFITS INC | 316 | $74K |
| Vision | SOLSTICE BENEFITS INC | 316 | $74K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 318 | $98K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 318 | $98K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 318 | $98K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 318 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.