| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE CO | $46K | — | $46K | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | KAISER PERMANENTE | $7K | — | $7K | — |
| CHUBB INSURANCE SOLUTIONS AGENCY Filed as: CHUBB AND SON DIRECT GAB/ABL | 202 HALLS MILL RD WHITEHOUSE STATION, NJ 08889 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | GUARDIAN | $3K | — | $3K | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - ARIZONA | $34 | — | $34 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - CALIFORNIA | $335 | — | $335 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - FLORIDA | $134 | — | $134 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - ILLINOIS,AND KENTUCKY | $182 | — | $182 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - PENNSYLVANIA | — | — | $0 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - TEXAS | $42 | — | $42 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | CIGNA DENTAL - NJ | $39 | — | $39 | — |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 132 | $0 |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 132 | $0 |
| Short-term disability | FEDERAL INSURANCE COMPANY | 95 | $0 |
| Long-term disability | GUARDIAN | 35 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.