| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FL INC | 1780 N KROME AVENUE FT LAUDERDALE, FL 33030 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $22K | $25K | 4.90% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FL INC | 1780 N KROME AVENUE FT LAUDERDALE, FL 33030 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N KROME AVENUE HOMESTEAD, FL 33030 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| A & A INS SERV INC3 Filed as: A&A INS SERV INC | 3771 NW 87TH WAY CORAL SPRINGS, FL 33065 | AFLAC | $1K | $0 | $1K | 5.46% |
| CORA IVELSIE JOURNEY3 | 9211 NW 18TH STREET CORAL SPRINGS, FL 33071 | AFLAC | $193 | $0 | $193 | 0.90% |
| MARIA CARDENAL3 | 10301 SW 98TH AVE MIAMI, FL 33176 | AFLAC | $122 | $0 | $122 | 0.57% |
| NELLY GABRIELA RUIZ3 | 14146 PACIFIC POINT PL APT 208 DELRAY BEACH, FL 33484 | AFLAC | $116 | $0 | $116 | 0.54% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY F ENCARNACION | 11754 NW 1ST ST CORAL SPRINGS, FL 33071 | AFLAC | $90 | $0 | $90 | 0.42% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $68 | $0 | $68 | 0.32% |
| ELIZABETH MARTORELLA3 | 6683 PERUZZI WAY LAKE WORTH, FL 33467 | AFLAC | $61 | $0 | $61 | 0.28% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOR PLACE DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $60 | $0 | $60 | 0.28% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $59 | $0 | $59 | 0.27% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $57 | $0 | $57 | 0.26% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $54 | $0 | $54 | 0.25% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 7400 SW 50TH TER MIMIA, FL 33155 | AFLAC | $48 | $0 | $48 | 0.22% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $41 | $0 | $41 | 0.19% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $38 | $0 | $38 | 0.18% |
| VALERY E REYES3 | 8424 DAWSON LN LOCUST, NC 28097 | AFLAC | $37 | $0 | $37 | 0.17% |
| DE VITA B MCKENZIE3 | 1139 IROLO ST LOS ANGELES, CA 90006 | AFLAC | $33 | $0 | $33 | 0.15% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVE APT 106 ENCINO, CA 91316 | AFLAC | $30 | $0 | $30 | 0.14% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $29 | $0 | $29 | 0.13% |
| EILEEN SANCHEZ MEDINA3 | 6100 SW 44TH TER MIAMI, FL 33155 | AFLAC | $29 | $0 | $29 | 0.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $24 | $0 | $24 | 0.11% |
| VALERIA MARQUEZ BLANCO3 | 12110 SW 105TH TER MIAMI, FL 33186 | AFLAC | $17 | $0 | $17 | 0.08% |
| MICHAEL LAYSECA3 | 3771 VICTORIA DR WEST PALM BEACH, FL 33406 | AFLAC | $15 | $0 | $15 | 0.07% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $11 | $0 | $11 | 0.05% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $9 | $0 | $9 | 0.04% |
| JAVIER ORTIZ3 Filed as: JAVIER L ORTIZ | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $9 | $0 | $9 | 0.04% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVE #412 COCONUT GROVE, FL 33133 | AFLAC | $8 | $0 | $8 | 0.04% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $6 | $0 | $6 | 0.03% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $5 | $0 | $5 | 0.02% |
| JUAN C FERLINI3 | 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $3 | $0 | $3 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE1005 BOCA RATON, FL 33487 | AFLAC | $3 | $0 | $3 | 0.01% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | $0 | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | $0 | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $1 | $0 | $1 | 0.00% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | — | — | $0 | 0.00% |
| RICHARD ALAN SELIGSON3 | P.O. BOX 970922 BOCA RATON, FL 33497 | AFLAC | — | — | $0 | 0.00% |
| ROBERT K BELL JR3 | 9898 N KENDALL DR APT C204 MIAMI, FL 33176 | AFLAC | — | — | $0 | 0.00% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 112 | $536K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 112 | $514K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 112 | $514K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 18 | $46K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 18 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.