| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N KROME AVE HOMESTEAD, FL 33030 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N KROME AVE HOMESTEAD, FL 33030 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | GUARDIAN | $6K | $4K | $10K | 17.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SO RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | GUARDIAN | $118 | — | $118 | 0.21% |
| A&A INSURANCE SERV INC3 | 330 SE 20TH AVENUE APT 306 DEERFIELD BEACH, FL 33441 | AFLAC | $2K | $136 | $2K | 5.46% |
| JOURNEY INS GRP INC3 Filed as: JOURNEY INSURANCE GROUP | 3561 NW 88TH DR APT 307 CORAL SPRINGS, FL 33065 | AFLAC | $265 | — | $265 | 0.75% |
| GEOVANNY ENCARNACION3 Filed as: GEOVANNY ENCARNCACION | 8051 SOUTHGATE BLVD APT J11 NORTH LAUDERDALE, FL 33068 | AFLAC | $262 | — | $262 | 0.74% |
| NELLY GABRIELA RUIZ3 Filed as: NELLY RUIZ | 3630 NW 20TH STREET COCONUT CREEK, FL 33066 | AFLAC | $208 | — | $208 | 0.59% |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 5335 YARMOUTH AVE APT 106 ENCINO, CA 91316 | AFLAC | $153 | $27 | $180 | 0.51% |
| MARIA ORTIZ3 | 7400 SW 50TH TERRACE STE 300 MIAMI, FL 33155 | AFLAC | $161 | — | $161 | 0.46% |
| VALERY E REYES3 Filed as: VALERY REYES | 8424 DAWSON LANE LOCUST, NC 28097 | AFLAC | $155 | — | $155 | 0.44% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $140 | — | $140 | 0.40% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $136 | — | $136 | 0.38% |
| DEVITA MCKENZIE3 | 289 S BURTON AVE SAN GABRIEL, CA 91776 | AFLAC | $102 | $27 | $129 | 0.36% |
| STEVEN KAISER3 | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | AFLAC | $125 | — | $125 | 0.35% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $84 | — | $84 | 0.24% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $78 | — | $78 | 0.22% |
| ELIZABETH MARTORELLA3 | 6683 PERUZZI WAY LAKE WORTH, FL 33467 | AFLAC | $67 | — | $67 | 0.19% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $66 | — | $66 | 0.19% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $59 | — | $59 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $34 | — | $34 | 0.10% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 NORTH ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $32 | — | $32 | 0.09% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LN PORT ST LUCIE, FL 34984 | AFLAC | $24 | — | $24 | 0.07% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE 412 COCONUT GROVE, FL 33133 | AFLAC | $23 | — | $23 | 0.07% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $22 | — | $22 | 0.06% |
| MICHAEL LAYSECA3 | 4760 VIA BARI APT 5207 LAKE WORTH, FL 33463 | AFLAC | $16 | — | $16 | 0.05% |
| JAVIER ORTIZ3 | 165 NE 96 STREET MIAMI SHORES, FL 33138 | AFLAC | $11 | — | $11 | 0.03% |
| MARK C LEE3 Filed as: MARK C. LEE | 1444 SOUTH 17 STREET WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.02% |
| THOMAS R BAILEY3 Filed as: THOMAS R. BAILEY | 142 MAPLE COURT NW CHARLESTON, TN 37310 | AFLAC | $7 | — | $7 | 0.02% |
| JUAN C FERLINI3 Filed as: JUAN C. FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $7 | — | $7 | 0.02% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID S MORRIS3 Filed as: DAVID S. MORRIS | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $4 | — | $4 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR | 1431 NE 55 STREET FORT LAUDERDALE, FL 33334 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES W BENCIN3 Filed as: JAMES W. BENCIN | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.01% |
| OMER S BASS IV3 | 565 W GATEWAY CT MERRITT ISLAND, FL 32952 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTINE M SINTAY3 | 2645 GRASSY SPRING PL LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 33 | $35K |
| Dental | GUARDIAN | 135 | $55K |
| Vision | GUARDIAN | 135 | $55K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 135 | $91K |
| Short-term disability | AFLAC | 33 | $35K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $550K |
| Other | GUARDIAN | 135 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.