| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 401 JACKSON ST SUITE 1700 TAMPA, FL 33602 | COMMUNITY INSURANCE COMPANY | — | $304 | $304 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OH INC | 360 THREE MEADOWS DR PERRYBURG, OH 43551 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 1.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DR. PERRYSBURG, OH 43551 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DR. PERRYSBURG, OH 43551 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DR. PERRYSBURG, OH 43551 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 9.96% |
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 | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 548 | $527K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 435 | $87K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 369 | $100K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 289 | $50K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 383 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.