| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL, LLC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $192K | $221K | 4.43% |
| AP BENEFIT ADVISOS, LLC3 | 111 RUTHAR DRIVE NEWARK, DE 19711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $40K | $46K | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN& BROWN OF FL, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 12.35% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 2.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN& BROWN OF FL, INC. | PO BOX 745961 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RIDA INC. BROWN & BROWN OF FL. | 2290 LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 14.60% |
| MORGAN STRONG3 Filed as: MORGAN A STRONG | 2754 MICHIGAN AVE UNIT 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.31% |
| CHASSE LYNN GREENE3 Filed as: CHASSE L GREENE | 2754 MICHIGAN AVE UNIT 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.41% |
| PAUL C BLACK3 | 7623 LODGE POLE DR WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.84% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES INC. | 13313 FALCON POINT DR ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.81% |
| YEZABEL DIAZ-CRUZ3 | 920 E 9TH AVE MOUNT DORA, FL 32757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | — | $511 | 0.61% |
| IATES INC A & M BONURA & ASSOC3 Filed as: IATES INC. A&M BONURA & ASSOCIATES | 1882 LAUREL BROOK LOOP CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $399 | — | $399 | 0.47% |
| IATES LLC TEAM WEISS AND ASSOC3 Filed as: IATES LLC TEAM WEISS AND ASSOCIATES | PO BOX 149505 ORLANDO, FL 32814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 0.29% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $5.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $5.0M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $444K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $444K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $444K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.