| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERTUS INSURANCE ADVISORS LLC3 Filed as: CERTUS INSURANCE ADVISORS, LLC. | 10625 N KENDALL DRIVE MIAMI, FL 33176 | UNITED HEALTHCARE INSURANCE COMPANY | $438K | $0 | $438K | 3.02% |
| CERTUS INSURANCE ADVISORS LLC3 Filed as: CERTUS INSURANCE ADVISORS, LLC. | 10625 N KENDALL DRIVE MIAMI, FL 33176 | AFLAC | $43K | $0 | $43K | 8.31% |
| INGRID MARISA FARRELL3 | 5805 SW 96 ST MIAMI, FL 33156 | AFLAC | $17K | $2K | $19K | 3.75% |
| MARIA ORTIZ3 | 7400 SW 96 ST PINECREST, FL 33155 | AFLAC | $10K | $262 | $10K | 1.98% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44 TERR MIAMI, FL 33155 | AFLAC | $9K | $317 | $9K | 1.83% |
| MARIA CARDENAL3 | 10301 SW 98 AVE MIAMI, FL 33176 | AFLAC | $4K | $286 | $4K | 0.75% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $2K | $0 | $2K | 0.47% |
| ANA MARIA LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $1K | $26 | $1K | 0.24% |
| CRISTINA E LEON-RIVERO3 Filed as: CRISTINA E LEON RIVERO | 9500 SW 97 ST MIAMI, FL 33176 | AFLAC | $387 | $0 | $387 | 0.08% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $235 | $0 | $235 | 0.05% |
| MARIA ORBE3 | 8362 PINES BVLD. STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $170 | $0 | $170 | 0.03% |
| JAVIER L ORTIZ3 | 9620 NE 2 AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $120 | $0 | $120 | 0.02% |
| JACQUELINE B TIFFER3 | 15225 SW 140 ST MIAMI, FL 33196 | AFLAC | $120 | $0 | $120 | 0.02% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107 CT MIAMI, FL 33176 | AFLAC | $111 | $0 | $111 | 0.02% |
| TIMOTHY J BADDER3 Filed as: TIMOTHY BADDER | 452 TIFFANY OAKS WAY BOYTON BEACH, FL 33435 | AFLAC | $93 | $0 | $93 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $83 | $0 | $83 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $75 | $0 | $75 | 0.01% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $69 | $0 | $69 | 0.01% |
| MARNI WARD LLC3 | 1102 ALMOND TREE CIRCLE ORLANDO, FL 32835 | AFLAC | $58 | $0 | $58 | 0.01% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $58 | $0 | $58 | 0.01% |
| SANDRA VELAZQUEZ3 | 6374 SW 22 ST MIAMI, FL 33155 | AFLAC | $48 | $0 | $48 | 0.01% |
| P S BUSSE INS AND FINANCIAL SVCS3 | 8510 SW 104 STREET MIAMI, FL 33156 | AFLAC | $46 | $0 | $46 | 0.01% |
| THOMPSON AND THOMPSON FINANCIAL INC3 | 17036 FOX TRAIL LN LOXAHATCHEE, FL 33470 | AFLAC | $43 | $0 | $43 | 0.01% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $40 | $0 | $40 | 0.01% |
| EDUARDO LAMAS3 | 621 NW 10 CT BOYNTON BEACH, FL 33426 | AFLAC | $37 | $0 | $37 | 0.01% |
| CLEFCO CORP3 | 1801 SE BERKSHIRE BLVD PORT ST LUCIE, FL 34952 | AFLAC | $36 | $0 | $36 | 0.01% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $34 | $0 | $34 | 0.01% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $31 | $0 | $31 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $31 | $0 | $31 | 0.01% |
| CARLOS V ESTRONZA3 Filed as: CARLOS ESTRONZA | 5414 STIRLING RD DAVIE, FL 33314 | AFLAC | $22 | $0 | $22 | 0.00% |
| CARMEN A FELICIANO3 | 171 AMERICAS CUP BLVD BRADENTON, FL 34208 | AFLAC | $21 | $0 | $21 | 0.00% |
| JESUS GARCIA JR.3 Filed as: JESUS GARCIA JR | 18370 MEDITERRANEAN BLVD SPT 2507 HIALEAH, FL 33015 | AFLAC | $20 | $0 | $20 | 0.00% |
| TEAM WEISS AND ASSOC LLC3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $20 | $0 | $20 | 0.00% |
| GERARD V BURDEN3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $16 | $0 | $16 | 0.00% |
| MARIA C ORTIZ3 | 7400 SW 50 TERR STE 300 MIAMI, FL 33155 | AFLAC | $16 | $0 | $16 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR. | 1431 NE 55 ST FORT LAUDERDALE, FL 33334 | AFLAC | $15 | $0 | $15 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $14 | $0 | $14 | 0.00% |
| LISETTE M HERNANDEZ3 | 1842 41ST TER SW NAPLES, FL 34116 | AFLAC | $13 | $0 | $13 | 0.00% |
| ROBERT M GLASS CORP3 Filed as: ROBERT N DIAZ | 1205 HILLSBORO MILE # 203 HILLSBORO BEACH, FL 33062 | AFLAC | $13 | $0 | $13 | 0.00% |
| KATTY W COHEN3 | 21711 TOWN PLACE DR BOYNTON, FL 33433 | AFLAC | $13 | $0 | $13 | 0.00% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $12 | $0 | $12 | 0.00% |
| RUTHLAY BOSCH3 | 3600 MYSTIC POINTE DR APT 1612 AVENTURA, FL 33180 | AFLAC | $12 | $0 | $12 | 0.00% |
| ROSE SOSA3 | 9381 SW 130 ST MIAMI, FL 33176 | AFLAC | $11 | $0 | $11 | 0.00% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $10 | $0 | $10 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $10 | $0 | $10 | 0.00% |
| MICHAEL H MCCLAIN3 | 6237 ROSE TER PLANTATION, FL 33317 | AFLAC | $9 | $0 | $9 | 0.00% |
| ELIZABETH MARIA SARDINAS TORRES3 | 15453 SW 139TH ST MIAMI, FL 33196 | AFLAC | $9 | $0 | $9 | 0.00% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTO BAY, FL 33157 | AFLAC | $9 | $0 | $9 | 0.00% |
| BEVERLY E. BEATTIE3 Filed as: BEVERLY E BEATTIE | 3150 SW 38 AVE 9TH FLOOR CORAL GABLES, FL 33146 | AFLAC | $9 | $0 | $9 | 0.00% |
| HAMIDA M TRAINOR3 | 631 LUCERNE AVE STE 57 LAKE WORTH BEACH, FL 33460 | AFLAC | $7 | $0 | $7 | 0.00% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $6 | $0 | $6 | 0.00% |
| STEPHEN J YOUNG3 | 490 NW WOODLANDS TER LAKE CITY, FL 32055 | AFLAC | $6 | $0 | $6 | 0.00% |
| SHERI CROOK INC3 | 2151 COOK LN ALVA, FL 33920 | AFLAC | $6 | $0 | $6 | 0.00% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AZ 72714 | AFLAC | $5 | $0 | $5 | 0.00% |
| SHARON LYNN SMITH3 | 3139 CONRAD CT KISSIMMEE, FL 34744 | AFLAC | $5 | $0 | $5 | 0.00% |
| KENNIA ROSALES3 | 13000 SW 110 AVE MIAMI, FL 33176 | AFLAC | $5 | $0 | $5 | 0.00% |
| DEBORAH JERZY3 Filed as: DEBORAH A. JERZY | 2650 W GOLF BLVD APT 159 POMPANO BEACH, FL 33064 | AFLAC | $5 | $0 | $5 | 0.00% |
| ELIZABETH MARIA SARDINAS TORRES3 | 8701 SW 144TH ST PALMETTO BAY, FL 33176 | AFLAC | $4 | $0 | $4 | 0.00% |
| MARY C BADDER3 | 7592 OLD THYME CT PARKLAND, FL 33076 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | $0 | $4 | 0.00% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $4 | $0 | $4 | 0.00% |
| REBECCA PEAVEY BONDS3 | 28823 53RD DR BRANFORD, FL 32008 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOISETT RODRIGUEZ3 | 9513 SW 140 CT MIAMI, FL 33186 | AFLAC | $4 | $0 | $4 | 0.00% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LN SUMMERVILLE, SC 29486 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $3 | $0 | $3 | 0.00% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL L ORTIZ | 740 CHEYENNE ST ELGIN, IL 60123 | AFLAC | $2 | $0 | $2 | 0.00% |
| NATALIA DURAN GUZMAN3 Filed as: NATALIA C ORTIZ | 3530 GLENCOE ST MIAMI, FL 33133 | AFLAC | $2 | $0 | $2 | 0.00% |
| MKF & ASSOCIATES INC3 | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $2 | $0 | $2 | 0.00% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELLDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | $0 | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 | 221 HEARTWOOD DRIVE CATULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.00% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $1 | — | $1 | 0.00% |
| PATRICIA ANNE REILLY3 | 269 E LONG CREEK CV LONGWOOD, FL 32750 | AFLAC | $1 | $0 | $1 | 0.00% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTINA MARIA ORTIZ3 | 7400 SW 50 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% |
| REGIS INSURANCE SERVICES3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 11.73% |
| REGIS INSURANCE SERVICES3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 5.44% |
| REGIS INSURANCE SERVICES3 | 10625 N KENDALL DRIVE MIAMI, FL 33176 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 13.23% |
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 | 2,673 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,673 | $14.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 2,673 | $14.5M |
| Vision | VISION SERVICE PLAN | 1,303 | $142K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,025 | $438K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,025 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,025 | $0 |
| Other(4 contracts, 2 carriers) | AFLAC | 7,419 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,025 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.