| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 9.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.52% |
| DELMAR JOHNSON III3 Filed as: DELMAR W. JOHNSON III | 128 TILDENVILLE SCHOOL ROAD WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.96% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $894 | $0 | $894 | 3.43% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC. | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $379 | $0 | $379 | 1.46% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $358 | $0 | $358 | 1.38% |
| ROBERT LUBY3 | 11427 SWIFT WATER CIRCLE ORLANDO, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 0.85% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $141K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $141K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $96K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $96K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.