| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 901505 HOMESTEAD, FL 33090 | AETNA HEALTH INC. | $31K | — | $31K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N FRANKLIN ST TAMPA, FL 33602 | GUARDIAN | $6K | $4K | $11K | 16.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 22 S RIDGEWOOD AVE 500 DAYTONA BEACH, FL 32114 | GUARDIAN | $130 | — | $130 | 0.20% |
| A&A INSURANCE SERV INC3 | 330 SE 20TH AVENUE APT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $2K | $29 | $3K | 6.00% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY ENCARNCACION | 8051 SOUTHGATE BLVD APT J11 NORTH LAUDERDALE, FL 33068 | AFLAC | $450 | $16 | $466 | 1.11% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INSURANCE GROUP | 8761 WILES ROAD APT 203 CORAL SPRINGS, FL 33067 | AFLAC | $441 | — | $441 | 1.05% |
| VALERY E REYES3 Filed as: VALERY REYES | 8424 DAWSON LANE LOCUST, NC 28097 | AFLAC | $234 | — | $234 | 0.56% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $214 | — | $214 | 0.51% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $160 | $6 | $166 | 0.39% |
| STEVEN KAISER3 | 4120 OLD BARKWAY CUMMING, GA 30041 | AFLAC | $157 | — | $157 | 0.37% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $125 | — | $125 | 0.30% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE STE 300 MIAMI, FL 33155 | AFLAC | $112 | $6 | $118 | 0.28% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33306 | AFLAC | $100 | $12 | $112 | 0.27% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 11520 NUCKOLS ROAD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $99 | — | $99 | 0.24% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $90 | — | $90 | 0.21% |
| INSURANCE SERVICES OF PALM BEACH3 Filed as: INSURANCE SVCS OF PALM BEACH INC | 6683 PERUZZI WAY LAKE WORTH, FL 33467 | AFLAC | $86 | — | $86 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 355 SCOTT FARM DR POWDER SPRINGS, GA 30127 | AFLAC | $57 | — | $57 | 0.14% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE 412 COCONUT GROVE, FL 33133 | AFLAC | $56 | — | $56 | 0.13% |
| DEVITA MCKENZIE3 | 110 SE 6TH ST STE 1700 FORT LAUDERDALE, FL 33301 | AFLAC | $54 | — | $54 | 0.13% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $42 | — | $42 | 0.10% |
| NELLY GABRIELA RUIZ3 Filed as: NELLY RUIZ | 3630 NW 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $35 | — | $35 | 0.08% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $22 | $6 | $28 | 0.07% |
| RAUL EMILIO LOYS3 Filed as: RAUL LOYS | 11141 SW 71ST AVENUE MIAMI, FL 33156 | AFLAC | $7 | — | $7 | 0.02% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 42 | $42K |
| Dental | GUARDIAN | 166 | $64K |
| Vision | GUARDIAN | 166 | $64K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 166 | $106K |
| Short-term disability | AFLAC | 42 | $42K |
| Other | GUARDIAN | 166 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.