| 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 | $91K | $91K | 4.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 12.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1661 WORTHINGTON ROAD, SUITE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $384 | $384 | 0.17% |
| PETER HAGER3 Filed as: PETER CRISPIN HAGER | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $4K | $5K | 18.78% |
| 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 | $494 | $3K | 12.53% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $854 | $125 | $979 | 3.80% |
| LYNNE HEALY3 | 20 UNDERMOUNT PATH E PALM COAST, FL 32164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | $674 | $949 | 3.68% |
| MJ INSURANCE3 Filed as: JENNIFER ALLEN AND VARIOUS AGENTS | 60 FRANCISCAN LANE PALM COAST, FL 32137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $707 | $41 | $748 | 2.90% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PLACE TALLAHASSEE, FL 32309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $482 | $208 | $690 | 2.68% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE COURT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $229 | $21 | $250 | 0.97% |
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 | 245 | $1.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $220K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $220K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $220K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $220K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $220K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $1.9M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.