| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASE BENEFIT CONSULTANTS3 | 4760 TAMIAMI TRAIL NORTH, STE 25 NAPLES, FL 34103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.86% |
| MANUELA LLINAS OCHOA3 | 901 CYPRESS GROVE DR 203 PAMPANO BEACH, FL 33069 | AFLAC | $3K | $248 | $3K | 4.88% |
| CYNTHIA ALANE DAVIS3 Filed as: CYNTHIA DAVIS | 2916 SE 159TH LANE RD SUMMERFIELD, FL 34491 | AFLAC | $2K | $281 | $2K | 2.99% |
| LINDA F BEDGOOD3 | 8900 NW 21ST CT PEMBROKE PINES, FL 33024 | AFLAC | $1K | — | $1K | 2.09% |
| LUZ ELENA SERVI3 | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC | $1K | $106 | $1K | 1.86% |
| DONNA R MYERS3 | P.O. BOX 669 STATESVILLE, NC 28687 | AFLAC | $1K | $110 | $1K | 1.82% |
| STEVE D SERVI3 | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC | $596 | $106 | $702 | 1.07% |
| MITZIE B BLUE3 Filed as: MITZIE B. BLUE | 750 YOUNGER PLACE HIGH POINT, NC 27265 | AFLAC | $568 | — | $568 | 0.87% |
| JOHN ROGER MYERS3 | P.O. BOX 669 STATESVILLE, NC 28687 | AFLAC | $515 | $12 | $527 | 0.80% |
| NANCY HUFF3 | 131 PLANTATION RIDGE DR STE 310 MOORESVILLE, NC 28117 | AFLAC | $371 | $24 | $395 | 0.60% |
| L A D FINANCIAL CORP3 | 3800 N OCEAN DR APT 1450 SINGER ISLAND, FL 33404 | AFLAC | $366 | — | $366 | 0.56% |
| MARIA C ORTIZ3 | 7400 SW 50 TR SUITE 300 MIAMI, FL 33155 | AFLAC | $280 | — | $280 | 0.43% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $153 | $106 | $259 | 0.39% |
| GWEN NICHOLS BUTLER3 | 1440 OLD LENOIR RD STE D HICKORY, NC 28601 | AFLAC | $222 | $24 | $246 | 0.37% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIR VALDOSTA, GA 31602 | AFLAC | $203 | — | $203 | 0.31% |
| STEVE D SERVI3 | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $200 | — | $200 | 0.30% |
| KATHERINE L SIMOS3 Filed as: KATHERINE L. SIMOS | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $145 | — | $145 | 0.22% |
| JERRY BLUE3 | 1200 EAST CHESTER DRIVE, STE 204 HIGH POINT, NC 27265 | AFLAC | $114 | — | $114 | 0.17% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $112 | — | $112 | 0.17% |
| SUSAN E. KEELER3 Filed as: SUSAN E KEELER | 9222 54TH H CT E PARRISH, FL 34219 | AFLAC | $93 | — | $93 | 0.14% |
| STEVEN E DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $89 | — | $89 | 0.14% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $61 | $24 | $85 | 0.13% |
| INFINITY BENEFIT SOLUTIONS INC3 Filed as: INFINITY BENEFIT SOLUTIONS INC. | 7962 NW 7TH CT PLANTATION, FL 33324 | AFLAC | $65 | — | $65 | 0.10% |
| ORTS ENTERPRISES INC3 | 8350 SANDS POINT BLVD E106 TAMARAC, FL 33321 | AFLAC | $53 | — | $53 | 0.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVI INC | P.O. BOX 632886 CINCINNATI, OH 45263 | AFLAC | $32 | — | $32 | 0.05% |
| NANCY HUFF3 | 413 N CENTER ST STATESVILLE, NC 28677 | AFLAC | $29 | — | $29 | 0.04% |
| JAMES R HILL JR3 | P.O. BOX 13272 GREENSBORO, NC 27415 | AFLAC | $29 | — | $29 | 0.04% |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $26 | — | $26 | 0.04% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $24 | — | $24 | 0.04% |
| SHAWNK STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $21 | — | $21 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $20 | — | $20 | 0.03% |
| ANGEL E HILL3 | 520 E FORT KING ST ST B4 OCALA, FL 34471 | AFLAC | $19 | — | $19 | 0.03% |
| DONALD HUDSON3 Filed as: DONALD HUDSTON | 3991 SE 22ND AVE OCALA, FL 34480 | AFLAC | $16 | — | $16 | 0.02% |
| AILEEN KEENAN3 | 9603 NW 36TH CT CORAL SPRING, FL 33065 | AFLAC | $12 | — | $12 | 0.02% |
| DONALD HUDSON3 | 8010 N CREEK WAY CITRUS SPRINGS, FL 33114 | AFLAC | $10 | — | $10 | 0.02% |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERTO L GOMEZ3 | 1488 CORONADO RD WESTON, FL 33327 | AFLAC | $5 | — | $5 | 0.01% |
| LOURDES M. ALDEREGUIA3 Filed as: LOURDES M ALDEREGUIA | 9808 SW 94TH TER MIAMI, FL 33176 | AFLAC | $4 | — | $4 | 0.01% |
| PATRICIA ACKERMAN3 | 1863 NW 96TH AVE PLANTATION, FL 33322 | AFLAC | $3 | — | $3 | 0.00% |
| SHAWN K STEPHENS3 | 515 S FRY RD STE A KATY, TX 77450 | 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) | BLUE CROSS BLUE SHIELD OF FLORIDA | 158 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $72K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $72K |
| Short-term disability | AFLAC | 75 | $66K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $72K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $138K |
| 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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.