| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 330165869 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 4.00% |
| 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 | $24K | $1K | $25K | 16.52% |
| 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 | $14K | $18 | $14K | 12.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVENUE HOMESTEAD, FL 33030 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.99% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| 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 | $6K | $344 | $6K | 15.54% |
| 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 | $2K | $140 | $2K | 11.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 330165869 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 13.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $686 | $686 | 4.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 330165869 | HEALTH OPTIONS, INC. | $13K | — | $13K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 14900 NW 79TH COURT STE 200 MIAMI LAKES, FL 33016 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $21 | — | $21 | 8.02% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $16 | — | $16 | 6.11% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10 | — | $10 | 3.82% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 196 | $985K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $171K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $155K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 602 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $153K |
| Other(4 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 602 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.