| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $122K | $133K | $255K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $160K | $55K | $215K | 7.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 350 SOUTHBOROUGH, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163K | $22K | $185K | 17.00% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $57K | $5K | $62K | 15.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 350 SOUTHBOROUGH, NC 01772 | UNUM INSURANCE COMPANY | $27K | $4K | $31K | 7.86% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW DRIVE ROAD, SUITE 210 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $0 | $42K | 25.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, GA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $927 | $9K | 5.33% |
| GREGORY JAMES HODGES3 Filed as: GREGORY HODGES | 5775 GLENRIDGE DRIVE, SUITE 500 BUILDING E ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GEORGE KAMEL3 | 3916 VANDERHOST DRIVE VIRGINIA BEACH, VA 23462 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 13.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 745957 ATLANTA, GA 30374 | SIRIUS AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 7.99% |
| MHA INSURANCE AGENCY3 | 500 DISTRICT AVENUE BURLINGTON, MA 01803 | SIRIUS AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 5.01% |
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 | 4,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 646 | $165K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,169 | $4.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,146 | $310K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,259 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,551 | $2.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,259 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,169 | — |
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.