| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $844K | $72K | $916K | 18.00% |
| OPTAVISE, LLC3 | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $13K | $52K | 6.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $43K | $0 | $43K | 8.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | PO BOX 745957 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $27K | $262 | $27K | 9.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $2K | $186 | $2K | 16.49% |
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 | 17,972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,050 | 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. | 7,761 | $516K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 22,797 | $5.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,002 | $776K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 31,075 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,075 | — |
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.