| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $424 | $9K | 24.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $408 | $7K | 19.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $247 | $8K | 36.15% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR CHARLOTTE, NC 28210 | ALLSTATE BENEFITS | $1K | — | $1K | 10.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $36 | $1K | 27.02% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 338 | $161K |
| Vision | AETNA LIFE INSURANCE COMPANY | 338 | $161K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $33K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $39K |
| Other(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 236 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.