| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $1K | $13K | 11.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $407 | $0 | $407 | 2.16% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.91% |
| DELMAR JOHNSON III3 Filed as: DELMAR W. JOHNSON III | 128 TILDENVILLE SCHOOL ROAD WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 0.79% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.56% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP INC. | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.49% |
| ROBERT LUBY3 | 11427 SWIFT WATER CIRCLE ORLANDO, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 135 | $117K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 135 | $117K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $113K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $113K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $113K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.