| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 14900 NW 70TH COURT SUITE 200 MIAMI LAKES, FL 33016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $13K | 16.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $1K | $8K | 19.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 14900 NW 70TH COURT SUITE 200 MIAMI LAKES, FL 33016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $550 | $5K | 13.83% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105TH TERRACE MIAMI, FL 33186 | AFLAC | $3K | $293 | $3K | 8.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 14900 NW 79TH COURT MIAMI LAKES, FL 33016 | AFLAC | $733 | — | $733 | 2.07% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $470 | $52 | $522 | 1.47% |
| ALFRED RIETKERK3 Filed as: ALFRED RIEKERK | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $263 | $52 | $315 | 0.89% |
| RONALD INFANTINO3 | 7242 SW 163RD COURT MIAMI, FL 33193 | AFLAC | $250 | $50 | $300 | 0.85% |
| WILLIAM WHITE3 | 9041 SW 112TH COURT MAIMI, FL 33176 | AFLAC | $213 | $7 | $220 | 0.62% |
| MILAGROS MEJIA3 | 14981 SW 16TH TERRACE MIAMI, FL 33185 | AFLAC | $83 | $9 | $92 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $35 | — | $35 | 0.10% |
| JAN HAMBY ALDAMUY3 Filed as: JAN ALDAWUY | 16203 MURFIELD DRIVE ODESSA, FL 33556 | AFLAC | $10 | — | $10 | 0.03% |
| MARY E MERICA3 Filed as: MARY MERICA | 5211 N 150TH STREET OMAHA, NE 68116 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID BECK3 | 16636 FREDERICK CIRCLE SUITE 105 OMAHA, NE 68130 | AFLAC | $6 | — | $6 | 0.02% |
| BARBARA A. DURANT3 Filed as: BARBARA DURANT | 15418 WEIR STREET OMAHA, NE 68137 | AFLAC | $6 | — | $6 | 0.02% |
| LEE STEWART HOFFMAN3 Filed as: LEE HOFFMAN | 20214 HERITAGE POINT DRIVE TAMPA, FL 33647 | AFLAC | $4 | — | $4 | 0.01% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS EDWARD SHEFFIELD3 Filed as: THOMAS SHEFFIELD | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN C BRIMHALL3 Filed as: SUSAN BRIMHALL | 3921 CAPE SAN BLAS ROAD PORT SAINT JOE, FL 32456 | AFLAC | $1 | — | $1 | 0.00% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 15855 77TH TRAIL NORTH PALM BEACH GARDENS, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $54 | $1K | 9.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVENUE HOMESTEAD, FL 33030 | SOLSTICE BENEFITS INC | $1K | — | $1K | 12.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLOIRIDA INC | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $817 | $104 | $921 | 16.80% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 241 | $61K |
| Vision | SOLSTICE BENEFITS INC | 195 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $5K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $79K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.