| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERTUS INSURANCE ADVISORS LLC3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | UNITED HEALTHCARE INSURANCE COMPANY | $608K | $0 | $608K | 3.37% |
| CERTUS INSURANCE ADVISORS LLC3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $0 | $81K | 16.16% |
| CERTUS INSURANCE ADVISORS LLC3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | AFLAC | $31K | $445 | $31K | 7.40% |
| INGRID MARISA FARRELL3 | 5805 SW 96TH ST PINECREST, FL 33156 | AFLAC | $13K | $2K | $15K | 3.57% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $5K | $0 | $5K | 1.26% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $4K | $471 | $5K | 1.09% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | AFLAC | $4K | $471 | $4K | 0.95% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $2K | $0 | $2K | 0.37% |
| ANA MARIA LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $823 | $0 | $823 | 0.20% |
| CRISTINA E LEON-RIVERO3 Filed as: CRISTINA E LEON RIVERO | 9500 SW 97TH ST MIAMI, FL 33176 | AFLAC | $776 | $0 | $776 | 0.18% |
| TOMAS E FLORES3 | 7400 SW 1 TERRACE MIAMI, FL 33155 | AFLAC | $582 | $0 | $582 | 0.14% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $149 | $0 | $149 | 0.04% |
| JACQUELINE B TIFFER3 | 15225 SW 140TH ST MIAMI, FL 33196 | AFLAC | $111 | $0 | $111 | 0.03% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $102 | $0 | $102 | 0.02% |
| TIMOTHY J BADDER3 | 452 TIFFANY OAKS WAY BOYNTON BEACH, FL 33435 | AFLAC | $78 | $0 | $78 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $76 | $0 | $76 | 0.02% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH CT MIAMI, FL 33176 | AFLAC | $73 | $0 | $73 | 0.02% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $59 | $0 | $59 | 0.01% |
| DEBORAH JERZY3 Filed as: DEBORAH A JERZY | 2650 W GOLF BLVD APT 159 POMPANO BEACH, FL 33064 | AFLAC | $56 | $0 | $56 | 0.01% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $49 | $0 | $49 | 0.01% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $49 | $0 | $49 | 0.01% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVE CORAL GABLES, FL 33156 | AFLAC | $48 | $0 | $48 | 0.01% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND ST MIAMI, FL 33155 | AFLAC | $45 | $0 | $45 | 0.01% |
| LISETTE M HERNANDEZ3 | 8724 SW 72ND ST # 212 MIAMI, FL 33173 | AFLAC | $39 | $0 | $39 | 0.01% |
| EDUARDO LAMAS3 | 621 NW 10TH CT BOYNTON BEACH, FL 33426 | AFLAC | $34 | $0 | $34 | 0.01% |
| CLEFCO CORP3 | 1801 SE BERKSHIRE BLVD PORT ST LUCIE, FL 34952 | AFLAC | $33 | $0 | $33 | 0.01% |
| LON R KOLSTAD3 | POBOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $32 | $0 | $32 | 0.01% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 1205 HILLSBORO MILE HILLSBORO BEACH, FL 33062 | AFLAC | $32 | $0 | $32 | 0.01% |
| L A D FINANCIAL CORP3 | 18478 CLAYBROOK ST JUPITER, FL 33458 | AFLAC | $30 | $0 | $30 | 0.01% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $28 | $0 | $28 | 0.01% |
| JEREMY C ALFORD3 | 2606 NW 19TH WAY GAINESVILLE, FL 32605 | AFLAC | $26 | $0 | $26 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $22 | $0 | $22 | 0.01% |
| CARMEN A FELICIANO3 | 171 AMERICAS CUP BLVD BRADENTON, FL 34208 | AFLAC | $20 | $0 | $20 | 0.00% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $20 | $0 | $20 | 0.00% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $19 | $0 | $19 | 0.00% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $19 | $0 | $19 | 0.00% |
| JUAN C SOSA3 | 7875 RED RIVER RD WEST PALM BEACH, FL 33411 | AFLAC | $16 | $0 | $16 | 0.00% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $14 | $0 | $14 | 0.00% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $14 | $0 | $14 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $13 | $0 | $13 | 0.00% |
| ROSE SOSA3 | 9381 SW 130TH ST MIAMI, FL 33176 | AFLAC | $13 | $0 | $13 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, FL 30824 | AFLAC | $12 | $0 | $12 | 0.00% |
| ELAINE KOLSTAD DUBE3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $11 | $0 | $11 | 0.00% |
| JANET IBANEZ3 | 17501 SW 92ND CT PALMETTO BAY, FL 33157 | AFLAC | $11 | $0 | $11 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $10 | $0 | $10 | 0.00% |
| AIMEE CECILIA CABRERA3 | 9355 SW 93RD PL MIAMI, FL 33176 | AFLAC | $10 | $0 | $10 | 0.00% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH ST BOCA RATON, FL 33434 | AFLAC | $10 | $0 | $10 | 0.00% |
| MICHEL SHLIMOWITZ3 | 401 SW 4TH AVE APT 1605 FORT LAUDERDALE, FL 33315 | AFLAC | $9 | $0 | $9 | 0.00% |
| CD FRIDAY FLATT3 | 6592 THE HIDEOUT LAKE ARIEL, PA 18436 | AFLAC | $9 | $0 | $9 | 0.00% |
| BEVERLY E. BEATTIE3 Filed as: BEVERLY E BEATTIE | 3150 SW 38TH AVE CORAL GABLES, FL 33146 | AFLAC | $9 | $0 | $9 | 0.00% |
| JESUS GARCIA JR.3 Filed as: JESUS GARCIA JR | 18370 MEDITERRANEAN BLVD APT 2507 HIALEAH, FL 33015 | AFLAC | $9 | $0 | $9 | 0.00% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NW 36TH CT CORAL SPRINGS, FL 33065 | AFLAC | $8 | $0 | $8 | 0.00% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $6 | $0 | $6 | 0.00% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $6 | $0 | $6 | 0.00% |
| ARASAY LOPEZ3 | 31401 SW 191ST AVE HOMESTEAD, FL 33030 | AFLAC | $6 | $0 | $6 | 0.00% |
| NATALIA DURAN GUZMAN3 | 3232 CORAL WAY APT 1509 MIAMI, FL 33145 | AFLAC | $6 | $0 | $6 | 0.00% |
| JESSICA GODWIN3 Filed as: JESSICA E GODWIN | 16292 SW 64TH AVE STARKE, FL 32091 | AFLAC | $6 | $0 | $6 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $6 | $0 | $6 | 0.00% |
| ELIZABETH MARIA SARDINAS TORRES3 | 8701 SW 144TH ST PALMETTO BAY, FL 33176 | AFLAC | $6 | $0 | $6 | 0.00% |
| HAMIDA M TRAINOR3 | 631 LUCERNE AVE STE 57 LAKE WORTH BEACH, FL 33460 | AFLAC | $5 | $0 | $5 | 0.00% |
| ORTS ENTERPRISES INC3 | 920 FLORAL BANK PT WOODSTOCK, GA 30188 | AFLAC | $4 | $0 | $4 | 0.00% |
| G SCOTT COOKE3 | 2832 NE 17 TH AVE WILTON MANORS, FL 33334 | AFLAC | $4 | $0 | $4 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AZ 72714 | AFLAC | $4 | $0 | $4 | 0.00% |
| BRENDA LYNN GARRETT3 | 914 16TH AVE NE WATERTOWN, SD 57201 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOSHUA T HILL3 | 24921 NE 136TH LN FORT MC COY, FL 32134 | AFLAC | $4 | $0 | $4 | 0.00% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $3 | $0 | $3 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | $0 | $3 | 0.00% |
| MARY C BADDER3 | 7592 OLD THYME CT PARKLAND, FL 33076 | AFLAC | $2 | $0 | $2 | 0.00% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $2 | $0 | $2 | 0.00% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $1 | $0 | $1 | 0.00% |
| SUSANNA GOODE3 | 1212 CORTEZ ST CORAL GABLES, FL 33134 | AFLAC | $1 | $0 | $1 | 0.00% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LN SUMMERVILLE, FL 29486 | AFLAC | $1 | $0 | $1 | 0.00% |
| SYLVIA ROSSI-MONTERO3 | 107 BLUE HARBOR DR TAVANIER, FL 33070 | AFLAC | $1 | $0 | $1 | 0.00% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $1 | $0 | $1 | 0.00% |
| REBECCA PEAVEY BONDS3 | 28823 53RD DR BRANDORD, FL 32008 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTINA MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $1 | $0 | $1 | 0.00% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $1 | $0 | $1 | 0.00% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $1 | $0 | $1 | 0.00% |
| STEPHEN J YOUNG3 | 490 NW WOODLANDS TER LAKE CITY, FL 32055 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD PEMBROKE PINES, FL 33024 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARC RODRIGUEZ3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | VISION SERVICE PLAN | $0 | $28K | $28K | 15.50% |
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 | 3,015 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,015 | $18.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 3,015 | $18.0M |
| Vision | VISION SERVICE PLAN | 1,458 | $179K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 7,024 | $504K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,024 | $504K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,024 | $504K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,024 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,024 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.