| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 14900 NW 79TH COURT, SUITE 200 MIAMI LAKES, FL 33016 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 2.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 14900 NW 79TH COURT, SUITE 200 MIAMI LAKES, FL 33016 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $180 | $20K | 9.47% |
| NATIONAL BNFT. GRP. OF AMER., INC.3 | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $971 | $15K | 7.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.77% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 14900 NW 79TH COURT, SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.98% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 101 TREMONT STREET, SUITE 1100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 14900 NW 79TH COURT, SUITE 200 MIAMI LAKES, FL 33016 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.61% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.85% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4312 DIAMOND TERRACE WESTON, FL 33331 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.37% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $471 | $0 | $471 | 1.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 14900 NW 79TH COURT, SUITE 200 MIAMI LAKE, FL 33016 | HYATT LEGAL PLANS OF FLORIDA | $691 | $102 | $793 | 11.48% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HYATT LEGAL PLANS OF FLORIDA | $691 | $102 | $793 | 11.48% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $210K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $210K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 579 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 579 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 579 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
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.