| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS, INC | 140 FOUTAIN PARKWAY, SUITE 600 PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 5.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS, INC | 83 NORTH PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 7.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS, INC | 83 NORTH PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $61 | $2K | 13.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $219 | $219 | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SVCS, INC | 140 FOUTAIN PARKWAY, SUITE 600 PETERSBURG, FL 33716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 21.82% |
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 | 45 | 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) | 45 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 51 | $412K |
| Dental | HUMANA INSURANCE COMPANY | 45 | $25K |
| Vision | HUMANA INSURANCE COMPANY | 45 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $17K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $17K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 51 | $412K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.