| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE ANN FREIDUS3 | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $76K | — | $76K | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CENTRAL MI | 1505 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVCS | 220 S RIDGEWOOD AVENUE STE 500 DAYTONA BEACH, FL 32114 | GUARDIAN | $28K | $4K | $31K | 14.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVCS | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | GUARDIAN | $6K | — | $6K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVCS INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 5.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVCS, INC | 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVCS | PO BOX 745961 ATLANTA, GA 30374 | EYEMED VISION CARE | $3K | — | $3K | 100.00% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 427 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 416 | $182K |
| Vision | EYEMED VISION CARE | 336 | $3K |
| Life insurance | GUARDIAN | 146 | $217K |
| Short-term disability | GUARDIAN | 146 | $217K |
| Long-term disability | GUARDIAN | 146 | $217K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 427 | $2.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 146 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.