| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1401 FORUM WAY SUITE 400 WEST PALM BEACH, FL 33401 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 5.00% |
| 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 | $23K | — | $23K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $10K | 8.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 0.11% |
| AILEEN KEENAN3 Filed as: AILEEN M KEENAN | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $2K | $23 | $2K | 11.86% |
| LORI SUE THIES3 | 9421 SUNRISE LAKES BOULEVARD APARTMENT 209 SUNRISE, FL 33322 | AFLAC | $886 | — | $886 | 4.86% |
| LESLEY ANN KEENAN3 | 3000 SOUTH HIGHWAY A1A APARTMENT 202 JUPITER, FL 33477 | AFLAC | $400 | — | $400 | 2.19% |
| COURTNEY MCCORMICK3 | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $320 | — | $320 | 1.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1201 NORTHWEST 62ND STREET SUITE 130 FT LAUDERDALE, FL 33309 | AFLAC | $171 | — | $171 | 0.94% |
| L A D FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $153 | — | $153 | 0.84% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $143 | — | $143 | 0.78% |
| 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 | $136 | — | $136 | 0.75% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $115 | — | $115 | 0.63% |
| CARLO MICHELETTI3 | 9500 NORTHWEST 18TH PLACE PLANTATION, FL 33322 | AFLAC | $103 | — | $103 | 0.56% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BOULEVARD SUITE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $62 | — | $62 | 0.34% |
| KIMBERLY TALMAGE3 | 882 ELLEN DRIVE KEY LARGO, FL 33037 | AFLAC | $50 | — | $50 | 0.27% |
| BLADIMIR A JAEN3 | 14456 NORTHWEST 88TH AVENUE MIAMI LAKES, FL 33018 | AFLAC | $42 | — | $42 | 0.23% |
| DE VITA B MCKENZIE3 | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $39 | — | $39 | 0.21% |
| MICHAEL A ORTIZ3 | 4119 CORNFLOWER ROAD POPLAR GROVE, IL 61065 | AFLAC | $25 | — | $25 | 0.14% |
| ELAINE E. FUELLO3 Filed as: ELAINE E FUELLO | 10145 SUNRISE LAKES BOULEVARD BUILDING 157 SUNRISE, FL 33322 | AFLAC | $24 | — | $24 | 0.13% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY ROAD APARTMENT 1B HUNTERSVILLE, NC 28078 | AFLAC | $16 | — | $16 | 0.09% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVENUE #412 COCONUT GROVE, FL 33133 | AFLAC | $16 | — | $16 | 0.09% |
| JOURNEY INS GRP INC3 | 3561 NORTHWEST 88TH DRIVE APARTMENT 307 CORAL SPRINGS, FL 33065 | AFLAC | $13 | — | $13 | 0.07% |
| CECILIA N KOLSTAD3 | PO BOX 848415 PEMBROKE PINES, FL 33084 | AFLAC | $6 | — | $6 | 0.03% |
| JV FLORIDA INSURANCE CORP3 | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FT LAUDERDALE, FL 33308 | AFLAC | $5 | — | $5 | 0.03% |
| TALMAGE & CORNELIUS INS. AGENCY3 Filed as: TALMAGE & CORNELIUS INS SERV INC | 882 ELLEN DRIVE KEY LARGO, FL 33037 | AFLAC | $5 | — | $5 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | AFLAC | $3 | — | $3 | 0.02% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $3 | — | $3 | 0.02% |
| JOSHUA BUZZARD3 | 6848 HENDRY DRIVE LAKE WORTH, FL 33463 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $1 | — | $1 | 0.01% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $1 | — | $1 | 0.01% |
| SUZANN T EUSEPI-GREEN3 | 216 RIVER DRIVE TEQUESTA, FL 33469 | 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 | 105 | 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) | 105 | 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 | 50 | $958K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $114K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $114K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $114K |
| Prescription drug | HEALTH OPTIONS, INC | 40 | $459K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.