| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL FORT LAUDERDALE | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $220K | $220K | 5.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 5727 FORT LAUDERDALE, FL 33310 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $98 | $20K | 11.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 8.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1201 WEST CYPRESS CREEK RD FORT LAUDERDALE, FL 33309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 16.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 6.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV | 1201 WEST CYPRESS CREEK RD FORT LAUDERDALE, FL 33309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $536 | $18K | 25.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 6.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $981 | $196 | $1K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $883 | $883 | 9.00% |
| DAVID G SHORE3 Filed as: DAVID A HUSSON PA | 2925 NW 126TH AVE APT 307 SUNRISE, FL 33323 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 3.34% |
| WHITTINGTON ROBERT HUNTER3 Filed as: WHITTINGTON BENEFIT SERVICES INC | 2840 NW BOCA RATON BLVD BOCA RATON, FL 33431 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.48% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $177K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $10K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $139K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $3.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.