| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $20K | 14.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.69% |
| MORGAN STRONG3 Filed as: MORGAN A. STRONG | 2754 MICHIGAN AVENUE, UNIT 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.91% |
| CHASSE LYNN GREENE3 Filed as: CHASSE L. GREENE | 2754 MICHIGAN AVENUE, UNIT 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.76% |
| RANDY D WEBER SR3 Filed as: RANDY D. WEBER, SR. | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 0.32% |
| ROSALIND M GONZALEZ3 Filed as: ROSALIND M. GONZALEZ | 23 HAMPSHIRE ROAD, APARTMENT 112 METHUEN, MA 01844 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | $0 | $205 | 0.30% |
| KATRINA K MCMECHAN3 Filed as: KATRINA K. MCMECHAN | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 0.23% |
| MJ INSURANCE3 Filed as: DH2 ENTERPRISES AND VARIOUS AGENTS | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 8.50% |
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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 337 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $136K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $136K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $136K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 405 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.