| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | PO BOX 745867 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 3.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.66% |
| 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 | $1K | $6K | 5.56% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 2.37% |
| AILEEN KEENAN3 Filed as: AILEEN M. KEENAN | 9603 NW 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $1K | $113 | $1K | 8.89% |
| MJ INSURANCE3 Filed as: CARLO MICHELETTI AND VARIOUS AGENTS | 9500 NW 18TH PLACE PLANTATION, FL 33322 | AFLAC | $564 | $0 | $564 | 3.46% |
| LORI SUE THIES3 | 4383 SW 10TH PLACE, SUITE 107 DEERFIELD BEACH, FL 33442 | AFLAC | $243 | $86 | $329 | 2.02% |
| LESLEY ANN KEENAN3 | 18478 CLAYBROOK STREET JUPITER, FL 33458 | AFLAC | $146 | $40 | $186 | 1.14% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 17631 VENTURA BOULEVARD, SUITE 321 ENCINO, CA 91316 | AFLAC | $146 | $0 | $146 | 0.89% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | AFLAC | $116 | $0 | $116 | 0.71% |
| BARRY BAYUK3 Filed as: BARRY M. BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $114 | $0 | $114 | 0.70% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $116K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $116K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $132K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $116K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $132K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.