| 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 | $32K | — | $32K | 3.00% |
| 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. | $16K | — | $16K | 3.00% |
| 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 | $11K | $31 | $11K | 9.59% |
| 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 | — | $2K | $2K | 1.46% |
| 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 | $12K | $588 | $12K | 17.00% |
| 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 | $3K | — | $3K | 7.90% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.09% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| 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 | 9.20% |
| 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 | — | $354 | $354 | 1.39% |
| 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 | $208 | $4K | 17.14% |
| 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 | $369 | — | $369 | 8.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $277 | — | $277 | 6.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $184 | — | $184 | 3.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $98 | — | $98 | 7.68% |
| 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 | $81 | — | $81 | 6.35% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $51 | — | $51 | 4.00% |
| 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 | $8 | $1 | $9 | 0.71% |
| 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 | $29 | — | $29 | 8.10% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $21 | — | $21 | 5.87% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14 | — | $14 | 3.91% |
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 | 278 | 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) | 278 | 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 | 169 | $1.6M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $170K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $145K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $1K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $73K |
| Other(6 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 438 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
No prospect flags tripped on this filing.