| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | C/O UNITED BENEFIT SVCS 181 WELLS AVE NEWTON, MA 02459 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | C/O UNITED BENEFIT SERVICES 181 WELLS AVE NEWTON, MA 02459 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 0.44% |
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 | 14,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,984 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 18 | $197K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $141K |
| Vision | AETNA INTERNATIONAL | 18 | $197K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 16,026 | $4.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 14,189 | $5.9M |
| Prescription drug | AETNA INTERNATIONAL | 18 | $197K |
| Other(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 18 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,026 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.