| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL DAYTONA BEACH | 300 N BEACH ST DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $43K | $50K | 4.24% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $762 | $0 | $762 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N BEACH ST DAYTONA BEACH, FL 32114 | USABLE LIFE | $2K | $0 | $2K | 11.71% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $195 | $0 | $195 | 0.99% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | CURALINC LLC | $0 | $0 | $0 | 0.00% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.2M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 218 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
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.