| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | — | $70K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | GUARDIAN | $24K | $3K | $27K | 16.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 140 FOUNTAIN PARKWAY N. SUITE 600 ST. PETERSBURG, FL 33716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 13.79% |
| LUIS M HERNANDEZ-ROSADO3 Filed as: LUIS M. HERNANDEZ | 2190 ST. MARTINS DR. E. JACKSONVILLE, FL 32246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.80% |
| RITA M. BELL3 | 1403 HEATHER LANE MIDDLEBURG, FL 32068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.08% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 1763 FIDDLERS RIDGE DR. FLEMING ISLAND, FL 32003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $699 | — | $699 | 2.49% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 186 | $1.4M |
| Dental | GUARDIAN | 137 | $161K |
| Vision | GUARDIAN | 137 | $161K |
| Life insurance | GUARDIAN | 137 | $161K |
| Short-term disability | GUARDIAN | 137 | $161K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 173 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.