| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CRK, STE 130 FORT LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD SUITE 13 FORT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 7.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD SUITE 13 FORT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFITS CONSULTANTS | 1201 W. CYPRESS CREEK SUITE 13 FORT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DR SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD, STE 13 FORT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 4.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFITS CONSULTANTS | 1201 W. CYPRESS CREEK ROAD SUITE 13 FORT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $589 | $2K | 7.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | PETERSEN INTERNATIONAL UNDERWRITERS | $491 | $0 | $491 | 4.76% |
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 | 455 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 373 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 371 | $361K |
| Vision | HUMANA INSURANCE COMPANY | 317 | $53K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $195K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $134K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $100K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.