| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $65K | $65K | 5.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 13.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1661 WORTHINGTON ROAD, SUITE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $148 | $148 | 0.12% |
| VELOCITY BENEFITS3 Filed as: VELOCITY BENEFITS, INC. | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $129 | $129 | 0.11% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $122K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $122K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $122K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $122K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $122K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.