| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO, LLC | PO BOX 369 ROSELAND, NJ 07068 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | — | $61K | 13.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO LLC | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $17K | 5.44% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 117475001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60 | -$60 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO LLC | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | VISION SERVICE PLAN | $3K | — | $3K | 4.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $454 | $2K | 10.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $447 | $84 | $531 | 18.86% |
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 | 1,038 | 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) | 1,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 425 | $66K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,038 | $470K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 802 | $178K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,038 | $304K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 711 | $440K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,038 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.