| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 1.51% |
| INSURANCE OFFICE OF AMERICA3 | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $552 | — | $552 | 0.53% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $552 | — | $552 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-DAYTONA BEA | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | HUMANA INC. | $774 | — | $774 | 3.18% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPS | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 33411 | HUMANA INC. | $743 | — | $743 | 3.06% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 2056 VISTA PKWY SUITE 350 WEST PALM BEACH, FL 33411 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $988 | — | $988 | 7.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $310 | — | $310 | 2.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-DAYTONA BEA | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | HUMANA INC. | $477 | — | $477 | 3.69% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA WPS | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | HUMANA INC. | $356 | — | $356 | 2.75% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $456 | — | $456 | 7.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $179 | — | $179 | 2.82% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $374 | — | $374 | 7.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $121 | — | $121 | 2.44% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 2056 VISTA PKWY STE 350 WEST PALM BEACH, FL 33411 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 7.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42 | — | $42 | 2.41% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $638K |
| Dental(2 contracts) | HUMANA INC. | 133 | $37K |
| Vision | HUMANA INC. | 133 | $24K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $5K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $534K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.