| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N KROME AVE HOMESTEAD, FL 33030 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | — | $36K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | HEALTH OPTIONS, INC | $27K | — | $27K | 4.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 1.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH STREET DAYTONA, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $233 | $233 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE CO | $5K | — | $5K | 17.99% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO | $4K | — | $4K | 14.68% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | — | $4K | $4K | 12.54% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | — | $1K | $1K | 4.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.26% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| PRESTIGE WORLDWIDE 09 LLC3 | 7920 SW 79TH TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 0.93% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 130 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $122K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $122K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 13 | $28K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 130 | $1.5M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO | 77 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.