| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | — | $89K | 12.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $2K | $16K | 11.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $310 | $8K | 10.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $324 | $7K | 10.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $163 | $4K | 10.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $55 | $1K | 10.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 19.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $606 | $606 | 5.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $523 | — | $523 | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $105 | — | $105 | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $105 | — | $105 | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $102 | — | $102 | 19.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 32114 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $29 | $29 | 5.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $28 | — | $28 | 9.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $28 | — | $28 | 9.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | CIGNA DENTAL HEALTH OF OHIO, INC. | $12 | — | $12 | 10.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $21 | — | $21 | 24.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 32114 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $4 | $4 | 4.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $14 | — | $14 | 16.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 32114 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $3 | $3 | 3.61% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 246 | $693K |
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $157K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $149K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $50K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $73K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $68K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.