| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 1201 NEW ROAD STE 230 LINWOOD, NJ 08221 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $132K | $132K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, LLC | 3330 BARGAINTOWN ROAD, SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | HCC LIFE INSURANCE COMPANY | $61K | — | $61K | 7.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC. | P.O. BOX 748422 ATLANTA, GA 92711 | HCC LIFE INSURANCE COMPANY | $0 | $38K | $38K | 4.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 3330 BARGAINTOWN ROAD SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | DELTA DENTAL OF NEW JERSEY INC. | $13K | — | $13K | 2.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 1201 NEW ROAD STE 230 LINDWOOD, NJ 08221 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 11.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE SUITE 230 ROSELAND, NJ 07068 | HEARTLAND | $4K | — | $4K | 5.00% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 118 | $2.6M |
| Dental | DELTA DENTAL OF NEW JERSEY INC. | 761 | $556K |
| Vision | HEARTLAND | 820 | $73K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 768 | $315K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 768 | $315K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 400 | $818K |
| Other | HARTFORD LIFE AND ACCIDENT | 768 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.