| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC. | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC. | $33K | — | $33K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC. | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | $0 | $10K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 13.99% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC N0N- MEDICAL SLNS, LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 4.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 748422 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.22% |
| VELOCITY BENEFITS3 Filed as: VELOCITY BENEFITS, INC. | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9 | $0 | $9 | 0.01% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 80 | $858K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $145K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $145K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $145K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $145K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $145K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 80 | $858K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.