| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE CO | $8K | $96K | $103K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE, STE 500 DAYTONA BEACH, FL 32114 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | GUARDIAN | $3K | $218 | $3K | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - CALIFORNIA | $132 | — | $132 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - FLORIDA | $31 | — | $31 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - ILLINOIS | $115 | — | $115 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - KENTUCKY | $240 | — | $240 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - NEW JERSEY | $119 | — | $119 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - OHIO | $79 | — | $79 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - TEXAS | $306 | — | $306 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA DENTAL - ARIZONA | $26 | — | $26 | — |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | — |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| CHUBB ACCIDENT & HEALTH | 436 WALNUT STREET PHILADELPHIA, PA 19106 | ACE AMERICAN INSURANCE COMPANY | — | — | $0 | — |
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 | 697 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 151 | $0 |
| Dental(9 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 151 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO | 151 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $0 |
| Short-term disability | ACE AMERICAN INSURANCE COMPANY | 178 | $0 |
| Long-term disability | GUARDIAN | 23 | $0 |
| Other | CIGNA HEALTH AND LIFE INSURANCE CO | 151 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.