| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | AXIS INSURANCE COMPANY | $24K | $0 | $24K | 9.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL / CENTERSTONE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $0 | $9K | 8.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VIRGINIA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $618 | $618 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | HEARTLAND | $670 | $0 | $670 | 6.00% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 189 | $928K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 446 | $146K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 398 | $47K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 55 | $36K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 55 | $36K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 55 | $36K |
| Prescription drug | AXIS INSURANCE COMPANY | 189 | $250K |
| Stop-loss / reinsurancereinsurance | STRATEGIC UNDERWRITING SOLUTIONS | 180 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.