| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON MAS CANOSA3 | PO BOX 14-1898 CORAL GABLES, FL 33114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | $122K | $169K | 4.75% |
| AFINCA LLC3 | PO BOX 430780 MIAMI, FL 33243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $133K | — | $133K | 3.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | PO BOX 904037 CHARLOTTE, NC 28290 | VISION SERVICE PLAN | $45K | — | $45K | 5.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $39K | $3K | $42K | 8.60% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $21K | $1K | $22K | 4.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD, STE 108 CHARLOTTE, NC 28290 | AFLAC | $19K | — | $19K | 3.91% |
| BRENTLEY M HUXTABLE3 | 2606 E CHURCH ST ORLANDO, FL 32803 | AFLAC | $12K | $794 | $13K | 2.67% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $11K | $423 | $11K | 2.27% |
| PAUL J COHEN3 | 7901 HISPANOLA AVE, APT 904 NORTH BAY VILLAGE, FL 33141 | AFLAC | $7K | $817 | $7K | 1.53% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $7K | $423 | $7K | 1.51% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $23K | $2K | $25K | 6.82% |
| MARIA C ORTIZ3 | 7400SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $17K | $572 | $17K | 4.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD, STE 108 CHARLOTTE, NC 28290 | AFLAC | $16K | — | $16K | 4.50% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN S MEDINA | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $12K | $691 | $13K | 3.55% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $10K | $572 | $11K | 3.06% |
| SANDRA VELAZQUEZ3 | 2540 SW 7TH AVE MIAMI, FL 33129 | AFLAC | $9K | $756 | $10K | 2.82% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $9K | $1K | $10K | 2.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 3.49% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $16K | $786 | $16K | 8.43% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $8K | $287 | $8K | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $6K | — | $6K | 2.99% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $4K | $57 | $4K | 2.10% |
| BRENTLEY M HUXTABLE3 | 2606 E CHURCH ST ORLANDO, FL 32803 | AFLAC | $3K | $146 | $3K | 1.44% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $57 | $2K | 1.25% |
| ALISON W GUTHRIE3 | 113 GRANDE DR MORRISVILLE, NC 27560 | AFLAC | $2K | $108 | $2K | 1.13% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $6K | $657 | $6K | 6.58% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $5K | $93 | $5K | 5.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $3K | — | $3K | 3.45% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $3K | $22 | $3K | 3.42% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $22 | $2K | 2.59% |
| DANIELLE CAGLE3 | 1810 GLENMAR AVE MONROE, LA 71201 | AFLAC | $1K | $295 | $2K | 1.70% |
| PAUL J COHEN3 | 7901 HISPANOLA AVE APT 904 NORTH BAY VILLAGE, FL 33141 | AFLAC | $829 | — | $829 | 0.88% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $3K | $136 | $3K | 5.76% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY & CREW | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $2K | $17 | $2K | 4.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 720 5TH AVE S STE 203 NAPLES, FL 34102 | AFLAC | $2K | — | $2K | 3.56% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $2K | $87 | $2K | 2.87% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK ATT REID KLEINMAN | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $1K | $92 | $1K | 2.54% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST, 11C NEW YORK, NY 10038 | AFLAC | $1K | $95 | $1K | 2.49% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $898 | $17 | $915 | 1.60% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $4K | $798 | $5K | 9.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $3K | — | $3K | 5.86% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $2K | $44 | $2K | 4.17% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $9 | $2K | 3.99% |
| PAUL J COHEN3 | 7901 HISPANOLA AVE APT 904 NORTH BAY VILLAGE, FL 33141 | AFLAC | $2K | — | $2K | 3.44% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $2K | $9 | $2K | 3.28% |
| DANIELLE CAGLE3 | 1810 GLENMAR AVE MONROE, LA 71201 | AFLAC | $1K | $232 | $1K | 2.46% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $3K | $144 | $3K | 6.52% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $1K | $38 | $1K | 2.85% |
| MARIA C ORTIZ3 | 7400 SW 50 TR, STE 300 MIAMI, FL 33155 | AFLAC | $796 | $11 | $807 | 1.84% |
| BRENTLEY M HUXTABLE3 | 2606 E CHURCH ST ORLANDO, FL 32803 | AFLAC | $577 | $9 | $586 | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $580 | — | $580 | 1.32% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $456 | $11 | $467 | 1.06% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL AND CO INC | 32 OLD SLIP NEW YORK, NY 10005 | AFLAC | $247 | — | $247 | 0.56% |
| REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $2K | $127 | $2K | 5.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $2K | — | $2K | 5.63% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST, 11C NEW YORK, NY 10038 | AFLAC | $2K | $136 | $2K | 5.42% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $2K | $81 | $2K | 5.13% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $1K | $140 | $2K | 4.77% |
| STEVEN WILLIAM BEINHORN3 Filed as: STEVEN W BEINHORN | 81 STEPHEN DR PLAINVIEW, NY 11803 | AFLAC | $1K | $53 | $1K | 3.88% |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 1 SEAPORT PLZ FL 23 NEW YORK, NY 10038 | AFLAC | $411 | — | $411 | 1.22% |
| PAUL J COHEN3 | 7901 HISPANOLA AVE, APT 904 NORTH BAY VILLAGE, FL 33141 | AFLAC | $1K | $282 | $1K | 5.46% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $1K | $328 | $1K | 5.32% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER, STE 300 MIAMI, FL 33155 | AFLAC | $1K | $164 | $1K | 5.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $1K | — | $1K | 5.06% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $938 | $164 | $1K | 4.31% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $750 | $164 | $914 | 3.57% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $649 | $211 | $860 | 3.36% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $1K | $48 | $1K | 5.86% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN S MEDINA | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $583 | $28 | $611 | 3.18% |
| BRENDAN MCCARTHY AND CREW INC3 | 333 METRO PARK STE 108 ROCHESTER, NY 14623 | AFLAC | $491 | $16 | $507 | 2.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 720 5TH AVE S STE 203 NAPLES, FL 34102 | AFLAC | $495 | — | $495 | 2.58% |
| SJRDK ATTN REID KLEINMAN3 Filed as: SJRDK | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $416 | $29 | $445 | 2.32% |
| JENNIFER E LUBELSKY3 | 80 JOHN ST, 11C NEW YORK, NY 10038 | AFLAC | $399 | $30 | $429 | 2.23% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $322 | $7 | $329 | 1.71% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $453 | — | $453 | 3.42% |
| BLW INC3 | 4840 AMBER VALLEY PKWY S, STE C FARGO, ND 58104 | AFLAC | $435 | — | $435 | 3.29% |
| DAWSON INSURANCE3 Filed as: DAWSON INS | 721 FIRST AVE N FARGO, ND 58102 | AFLAC | $181 | — | $181 | 1.37% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE S, STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $172 | — | $172 | 1.30% |
| SANDRA F STRANDLIEN3 Filed as: SANDRA STRANDLIEN | 4840 AMBER VALLEY PKWY S, STE C FARGO, ND 58104 | AFLAC | $111 | — | $111 | 0.84% |
| BRADY WEISENBERGER3 | 300 NP AVE, STE 203 FARGO, ND 58102 | AFLAC | $111 | — | $111 | 0.84% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $102 | — | $102 | 0.77% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $498 | $90 | $588 | 5.33% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER, STE 300 MIAMI, FL 33155 | AFLAC | $364 | $53 | $417 | 3.78% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $226 | $53 | $279 | 2.53% |
| PAUL J COHEN3 | 7901 HISPANOLA AVE APT 904 NORTH BAY VILLAGE, FL 33141 | AFLAC | $188 | $82 | $270 | 2.45% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $202 | $53 | $255 | 2.31% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $131 | $95 | $226 | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $197 | — | $197 | 1.79% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $765 | $18 | $783 | 9.11% |
| MARIA C ORTIZ3 | 7400 SW 50 TR, STE 300 MIAMI, FL 33155 | AFLAC | $270 | $7 | $277 | 3.22% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $181 | $7 | $188 | 2.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STD 108 CHARLOTTE, NC 28290 | AFLAC | $186 | — | $186 | 2.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $81 | $24 | $105 | 1.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 202 EASTWOOD RD, STE 301 WILMINGTON, NC 28403 | AFLAC | $26 | — | $26 | 0.30% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL AND CO INC. | 32 OLD SLIP NEW YORK, NY 10005 | AFLAC | $22 | — | $22 | 0.26% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $130 | — | $130 | 8.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD STE 108 CHARLOTTE, NC 28290 | AFLAC | $53 | — | $53 | 3.62% |
| MARIA C ORTIZ3 | 7400 SW 50 TR, STE 300 MIAMI, FL 33155 | AFLAC | $52 | — | $52 | 3.55% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN MIAMI, FL 33155 | AFLAC | $42 | — | $42 | 2.86% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $32 | — | $32 | 2.18% |
| HEATHER F SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $13 | — | $13 | 0.89% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK DR VIRGINIA BEACH, VA 23452 | AFLAC | $11 | — | $11 | 0.75% |
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 | 13,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,286 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 497 | $237K |
| Vision | VISION SERVICE PLAN | 6,258 | $908K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,333 | $3.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,333 | $3.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,333 | $3.5M |
| Other(15 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,333 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,333 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.