| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FT LAUDERDALE, FL 33310 | AETNA LIFE INSURANCE CO | $56K | $0 | $56K | 3.99% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE CO | $16K | $0 | $16K | 1.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FT. LAUDERDALE, FL 33309 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.71% |
| RSC INSURANCE BROKERAGE INC3 | 15233 VENTURA BLVD #1020 SHERMAN OAKS, CA 91403 | GUARDIAN LIFE INSURANCE COMPANY | $416 | $0 | $416 | 0.62% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN CO | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | GUARDIAN LIFE INSURANCE COMPANY | $284 | $0 | $284 | 0.42% |
| BULFINCH GROUP INSURANCE AGY3 | — | GUARDIAN LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FT LAUDERDALE, FL 33310 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $63 | $8K | 25.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTON, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $581 | $581 | 1.84% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 136 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 90 | $67K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 90 | $67K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $31K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $31K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.