| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-HOMESTEAD | 1780 N KROME AVE PO BOX 901505 HOMESTEAD, FL 33090 | HUMANA MEDICAL PLAN, INC. | $72K | — | $72K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN OF FL INC | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 33016 | TRANSAMERICA INSURANCE COMPANY | $4K | — | $4K | 12.58% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | $2K | — | $2K | 5.35% |
| EXCEISIOR BENEFITS5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| IMPACT INTERACTIVE LLC5 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE COMPANY | $522 | — | $522 | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-FT LAUDERDA | 1201 W CYPRESS CRK RD STE 130 FORT LAUDERDALE, FL 33309 | COMPBENEFITS COMPANY | $2K | $1K | $3K | 14.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $822 | $3K | 21.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-FT LAUDERDA | 1201 W CYPRESS CRK RD STE 130 FORT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $941 | $494 | $1K | 15.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $828 | $339 | $1K | 21.14% |
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 | 907 | 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) | 907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 389 | $1.2M |
| Dental | COMPBENEFITS COMPANY | 159 | $21K |
| Vision | HUMANA INSURANCE COMPANY | 203 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 907 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $13K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 907 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.