| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $70K | $70K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 13.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $568 | $4K | 16.07% |
| PETER HAGER3 Filed as: PETER CRISPIN HAGER | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $2K | $2K | 10.04% |
| MJ INSURANCE3 Filed as: CHARLES TRIPLETT AND VARIOUS AGENTS | 606 SOUTH CENTRAL AVENUE FLAGLER BEACH, FL 32136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $116 | $1K | 6.18% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PLACE TALLAHASSEE, FL 32309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $406 | $266 | $672 | 2.99% |
| JENNIFER ALLEN3 | 60 FRANCISCAN LANE PALM COAST, FL 32137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $39 | $654 | 2.91% |
| LYNNE HEALY3 | 20 UNDERMOUNT PATH EAST PALM COAST, FL 32164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $454 | $641 | 2.85% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $0 | $522 | 2.32% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.4M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $187K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $187K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $187K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $187K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $187K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
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.