| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $31K | — | $31K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | HEALTH OPTIONS, INC | $27K | — | $27K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 14.35% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $949 | — | $949 | 4.70% |
| ELAINE E. FUELLO3 Filed as: ELAINE E FUELLO | 10145 SUNRISE LAKES BOULEVARD BUILDING 157 SUNRISE, FL 33322 | AFLAC | $833 | — | $833 | 4.12% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE # 412 COCONUT GROVE, FL 33133 | AFLAC | $209 | — | $209 | 1.03% |
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE & CORNELIUS INS SERV INC | 882 ELLEN DRIVE KEY LARGO, FL 33037 | AFLAC | $146 | — | $146 | 0.72% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $139 | — | $139 | 0.69% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FT LAUDERDALE, FL 33308 | AFLAC | $135 | — | $135 | 0.67% |
| DE VITA B MCKENZIE3 | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $123 | — | $123 | 0.61% |
| CARLO MICHELETTI3 | 9500 NORTHWEST 18TH PLACE PLANTATION, FL 33322 | AFLAC | $121 | — | $121 | 0.60% |
| BLADIMIR A JAEN3 | 14456 NORTHWEST 88TH AVENUE MIAMI LAKES, FL 33018 | AFLAC | $109 | — | $109 | 0.54% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $84 | — | $84 | 0.42% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $75 | — | $75 | 0.37% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $69 | — | $69 | 0.34% |
| ANA MARIA LEON3 Filed as: ANA B HEDMAN | 10885 NORTHWEST 7TH STREET APARTMENT 23 MIAMI, FL 33155 | AFLAC | $50 | — | $50 | 0.25% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $46 | — | $46 | 0.23% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $33 | — | $33 | 0.16% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $30 | — | $30 | 0.15% |
| MICHAEL A ORTIZ3 | 4119 CORNFLOWER ROAD POPLAR GROVE, IL 61065 | AFLAC | $29 | — | $29 | 0.14% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 1060 BRICKELL AVENUE APARTMENT 4309 MIAMI, FL 33131 | AFLAC | $16 | — | $16 | 0.08% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $13 | — | $13 | 0.06% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERSVILLE, NC 28078 | AFLAC | $11 | — | $11 | 0.05% |
| HAROLD L STAFFORD3 | 10722 NORTHWEST 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $6 | — | $6 | 0.03% |
| TIMOTHY J BADDER3 | 452 TIFFANY OAKS WAY BOYNTON BEACH, FL 33435 | AFLAC | $5 | — | $5 | 0.02% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $4 | — | $4 | 0.02% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $4 | — | $4 | 0.02% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.01% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.01% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $1 | — | $1 | 0.00% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.00% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $509 | $3 | $512 | 3.43% |
| ELAINE E. FUELLO3 Filed as: ELAINE E FUELLO | 10145 SUNRISE LAKES BOULEVARD BUILDING 157 SUNRISE, FL 33322 | AFLAC | $218 | $6 | $224 | 1.50% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FM 33065 | AFLAC | $175 | — | $175 | 1.17% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $132 | — | $132 | 0.89% |
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE & CORNELIUS INS SERV INC | 882 ELLEN DRIVE KEY LARGO, FL 33037 | AFLAC | $118 | — | $118 | 0.79% |
| CARLO MICHELETTI3 | 9500 NORTHWEST 18TH PLACE PLANTATION, FL 33322 | AFLAC | $115 | — | $115 | 0.77% |
| COURTNEY MCCORMICK3 | 9603 NORTHWEST 36TH COURT SUITE 300 CORAL SPRINGS, FL 33065 | AFLAC | $102 | — | $102 | 0.68% |
| DE VITA B MCKENZIE3 | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $96 | — | $96 | 0.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | AFLAC | $88 | — | $88 | 0.59% |
| BLADIMIR A JAEN3 | 14456 NORTHWEST 88TH AVENUE MIAMI LAKES, FL 33018 | AFLAC | $81 | — | $81 | 0.54% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $69 | — | $69 | 0.46% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $62 | — | $62 | 0.42% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE # 412 COCONUT GROVE, FL 33133 | AFLAC | $58 | $1 | $59 | 0.40% |
| ANA MARIA LEON3 Filed as: ANA B HEDMAN | 10885 NORTHWEST 75TH STREET APARTMENT 23 MIAMI, FL 33172 | AFLAC | $45 | — | $45 | 0.30% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $43 | — | $43 | 0.29% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FT LAUDERDALE, FL 33308 | AFLAC | $36 | $1 | $37 | 0.25% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $30 | — | $30 | 0.20% |
| MICHAEL A ORTIZ3 | 4119 CORNFLOWER ROAD POPLAR GROVE, IL 61065 | AFLAC | $27 | — | $27 | 0.18% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $25 | $1 | $26 | 0.17% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $19 | — | $19 | 0.13% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERSVILLE, NC 28078 | AFLAC | $17 | — | $17 | 0.11% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $16 | — | $16 | 0.11% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 1060 BRICKELL AVENUE APARTMENT 4309 MIAMI, FL 33131 | AFLAC | $15 | — | $15 | 0.10% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $8 | — | $8 | 0.05% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.02% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $3 | — | $3 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE COURT NORTHWEST CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.01% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.01% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $1 | — | $1 | 0.01% |
| MARIA ORBE3 | 8362 PINES BOULEVARD SUITE 250 PEMBROKE PINES, FL 33024 | AFLAC | $1 | — | $1 | 0.01% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $1 | — | $1 | 0.01% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $959K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $116K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $116K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $116K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $116K |
| Prescription drug | HEALTH OPTIONS, INC | 33 | $449K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.