| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMON E MASCANOSA3 Filed as: RAMON E. MAS CANOSA | PO BOX 430780 MIAMI, FL 33243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175K | — | $175K | 4.79% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP AND OTHER AGENTS | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | AFLAC | $153K | $11K | $164K | 8.76% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TERRACE MIAMI, FL 33155 | AFLAC | $79K | $5K | $84K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 808 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28217 | AFLAC | $64K | — | $64K | 3.40% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE, SUITE 300 MIAMI, FL 33155 | AFLAC | $48K | $2K | $50K | 2.65% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $32K | $2K | $34K | 1.84% |
| BRENTLEY HUXTABLE3 | 428 EAST CRYSTAL LAKE STREET ORLANDO, FL 32806 | AFLAC | $26K | $2K | $28K | 1.51% |
| AMBER E SCHMALE PEREYRA3 Filed as: AMBER SCHMALE PEREYRA | 2119 KEWANNEE TRAIL CASSELBERRY, FL 32707 | AFLAC | $5K | $332 | $6K | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, IN.C | 29848 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $49K | — | $49K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | UNKNOWN CORAL GABLES, FL 33134 | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | UNKNOWN CORAL GABLES, FL 33134 | LEGAL CLUB OF AMERICA | $36K | — | $36K | 33.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 131 SOUTH DEARBORN, 6TH FLOOR CHICAGO, IL 60603 | PREFERRED LEGAL | $4K | — | $4K | 19.86% |
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 | 14,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,166 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 2,507 | $1.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 918 | $225K |
| Vision | VISION SERVICE PLAN | 6,890 | $981K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,849 | $3.6M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,849 | $5.5M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,849 | $5.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,849 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,849 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.