| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $3K | — | $3K | 13.37% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVENUE SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $1K | — | $1K | 4.45% |
| PLASTRIDGE AGENCY INC3 | 820 NE 6TH AVENUE DELRAY BEACH, FL 33483 | AFLAC | $881 | — | $881 | 3.83% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $660 | — | $660 | 2.87% |
| A & A INSURANCE SERVICE, INC.3 Filed as: A AND A INSURANCE SERVICE INC | 3771 NW 87TH WAY CORAL SPRINGS, FL 33065 | AFLAC | $608 | — | $608 | 2.64% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DRIVE UNIT 1202 TAMPA, FL 33602 | AFLAC | $66 | — | $66 | 0.29% |
| MARIALENA SELVAGGIO3 Filed as: MARIALENA SELVGGIO | 1685 SW 4TH AVE BOCA RATON, FL 33432 | AFLAC | $65 | — | $65 | 0.28% |
| IRMA D PEREZ3 | 636 SW 168TH LANE PEMBROKE PINES, FL 33027 | AFLAC | $65 | — | $65 | 0.28% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105TH TERRACE MIAMI, FL 33186 | AFLAC | $65 | — | $65 | 0.28% |
| MARIA C ORTIZ3 | 7400 SW 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $52 | — | $52 | 0.23% |
| DEVITA MCKENZIE3 Filed as: DEVITA B MCKENZIE | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $34 | — | $34 | 0.15% |
| EVELYN VANESSA REYNOSO3 | 9650 NW 27TH STREET CORAL SPRINGS, FL 33065 | AFLAC | $30 | — | $30 | 0.13% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | AFLAC | $21 | — | $21 | 0.09% |
| NELLY GABRIELA RUIZ3 Filed as: NELLY GABRIELA RUZ | 14146 PACIFIC POINT PLACE APT 208 DELRAY BEACH, FL 33484 | AFLAC | $15 | — | $15 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $14 | — | $14 | 0.06% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DRIVE VILLA RICA, GA 30180 | AFLAC | $13 | — | $13 | 0.06% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $12 | — | $12 | 0.05% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INSURANCE GROUP INC | 3561 NW 88TH DRIVE APT 307 CORAL SPRINGS, FL 33065 | AFLAC | $12 | — | $12 | 0.05% |
| MARTHA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $11 | — | $11 | 0.05% |
| LINDA M NAPOLI3 | 17631 VENTURA BLVD SUITE 321 ENCINO, CA 91316 | AFLAC | $6 | — | $6 | 0.03% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $6 | — | $6 | 0.03% |
| DAVID S MORRIS3 | 950 PENINSULA CORPOARTE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | — | $3 | 0.01% |
| SERGIO L ROSARIO3 | 11641 QUIET WATERS LANE BOCA RATON, FL 33428 | AFLAC | $3 | — | $3 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD SUITE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH STREET FT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.01% |
| LINDA M NAPOLI3 | 5336 YARMOUTH AVE APT 106 ENCINO, CA 91316 | AFLAC | $2 | — | $2 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| PLASTRIDGE AGENCY INC3 | 2120 N DIXIE HIGHWAY BOCA RATON, FL 33431 | EYEMED VISION CARE | $3K | — | $3K | 12.90% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $516 | — | $516 | 9.08% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $395 | — | $395 | 6.95% |
| STEVEN WILLIAM BEINHORN3 | 8678 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $267 | — | $267 | 4.70% |
| JAVIER ORTIZ3 | 9620 NE 2ND AVE SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $162 | — | $162 | 2.85% |
| PLASTRIDGE AGENCY INC3 | 820 NE 6TH AVENUE DELRAY BEACH, FL 33483 | AFLAC | $156 | — | $156 | 2.74% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $106 | — | $106 | 1.86% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $61 | — | $61 | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS INC EIN 36-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $248K |
| THE PLASTRIDGE AGENCY INC EIN 59-0615319 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $87K |
| AETNA - PPO EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $40K |
| CHANGE HEALTHCARE EIN 20-5718594 NONE | Other services; Claims processing Service code 12 | — | $6K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Claims processing; Other services Service code 12 | — | $6K |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 279 | $20K |
| Other(2 contracts) | AFLAC | 34 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
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.