| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE AND CORNELIUS INS. SERVICES | PO BOX 372884 KEY LARGO, FL 33037 | HEALTH OPTIONS | $33K | $0 | $33K | 6.07% |
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE AND CORNELIUS INS. SERVICES | PO BOX 372884 KEY LARGO, FL 33037 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 6.07% |
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE AND CORNELIUS INS. SERVICES | 882 ELLEN DRIVE KEY LARGO, FL 33037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 1661 WORTHINGTON ROAD, SUITE 175 WEST PALM BEACH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 220 SO RIDGEWOOD AVENUE DOYTONA, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $102 | $0 | $102 | 0.08% |
| ELAINE E. FUELLO3 | 10145 SUNRISE LAKES BOULEVARD UNIT 303, BUILDING 157 SUNRISE, FL 33322 | AFLAC | $628 | $0 | $628 | 5.07% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 5335 YARMOUTH AVENUE, SUITE 106 ENCINO, CA 91316 | AFLAC | $623 | $0 | $623 | 5.03% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B MCKENZIE AND OTHER AGENTS | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $495 | $0 | $495 | 4.00% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE, SUITE 412 COCONUT GROVE, FL 33133 | AFLAC | $157 | $0 | $157 | 1.27% |
| JV FLORIDA INSURANCE CORP3 Filed as: JV FLORIDA INSURANCE CORPORATION | 2821 NORTH OCEAN BOULEVARD SUITE 305 FORT LAUDERDALE, FL 33308 | AFLAC | $102 | $0 | $102 | 0.82% |
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE AND CORNELIUS INS. SERVICES | 882 ELLEN DRIVE KEY LARGO, CA 33037 | AFLAC | $86 | $0 | $86 | 0.69% |
| BARRY BAYUK3 Filed as: BARRY M. BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $78 | $0 | $78 | 0.63% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 50 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $130K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $130K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $130K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $142K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $130K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 50 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.