| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | STANDARD INSURANCE COMPANY | $51K | $3K | $53K | 10.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 12.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 3.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 12.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 12.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | STANDARD INSURANCE COMPANY | $9K | $612 | $10K | 10.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL FLORIDA | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $117 | — | $117 | 8.06% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF FLORIDA INC. | 1421 PINE RIDGE RD. #200 NAPLES, FL 34109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | — | $57 | 3.93% |
| ANDRE MARKS4 | 329 OKAMATO ST. RALEIGH, NC 27603 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | — | $48 | 3.31% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 669 | $507K |
| Vision | STANDARD INSURANCE COMPANY | 1,241 | $92K |
| Life insurance | STANDARD INSURANCE COMPANY | 768 | $217K |
| Short-term disability | STANDARD INSURANCE COMPANY | 429 | $199K |
| Long-term disability | STANDARD INSURANCE COMPANY | 786 | $185K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 124 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,241 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.