| 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 | RELIASTAR LIFE INSURANCE COMPANY | $495K | $3K | $498K | 16.13% |
| DIRECTPATH, LLC3 | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | $363K | $44K | $407K | 13.18% |
| 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 | $26K | $10K | $36K | 6.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 745957 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $13K | $1K | $14K | 6.21% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH BIRMINGHAM, MA 35233 | METLIFE LEGAL PLANS | $12K | — | $12K | 5.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METLIFE LEGAL PLANS | $0 | $278 | $278 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $2K | $0 | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $0 | $34 | $34 | 0.27% |
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 | 18,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,006 | $3.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 969 | $519K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 34,789 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,789 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.