| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS | $15K | $0 | $15K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745897 ATLANTA, GA 30374 | SUNLIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 13.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $841 | $0 | $841 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49 | $514 | $563 | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | HEALTHIEST YOU | $572 | $0 | $572 | 14.99% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 66 | $386K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $28K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $28K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 106 | $46K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 106 | $46K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 106 | $46K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 66 | $386K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 106 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.