| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | $0 | $9K | 2.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 6.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 746540 ATLANTA, GA 30374 | VISION SERVICE PLAN | $4K | $0 | $4K | 4.68% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,019 | $401K |
| Vision | VISION SERVICE PLAN | 457 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $200K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $200K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $200K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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."
No prospect flags tripped on this filing.