| 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 | $16K | $1K | $17K | 11.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.82% |
| MORGAN STRONG3 Filed as: MORGAN A. STRONG | 2754 MICHIGAN AVENUE, UNIT 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.24% |
| CHASSE LYNN GREENE3 Filed as: CHASSE L. GREENE | 2754 MICHIGAN AVENUE, UNIT 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.46% |
| JOHN E CUMMINGS3 Filed as: JOHN M. SPOONER | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | $0 | $364 | 0.51% |
| KATRINA K MCMECHAN3 Filed as: KATRINA K. MCMEHAN AND OTHER AGENTS | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.34% |
| RANDY D WEBER SR3 Filed as: RANDY D. WEBER, SR. | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | $0 | $192 | 0.27% |
| ROSALIND M GONZALEZ3 Filed as: ROSALIND M. GONZALEZ | 23 HAMPSHIRE ROAD, APARTMENT 112 METHUEN, MA 01844 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | $0 | $154 | 0.22% |
| 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. | $3K | $0 | $3K | 10.85% |
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 | 442 | 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) | 442 | 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. | 324 | $26K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $153K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $153K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $153K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.