| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $148K | $175K | 4.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $182 | $113 | $295 | 14.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | — | $22 | $22 | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $121 | $73 | $194 | 14.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | — | $14 | $14 | 1.04% |
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 | 694 | 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) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 867 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 867 | $3.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 867 | $3.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 749 | $214K |
| Short-term disability | STANDARD INSURANCE COMPANY | 749 | $134K |
| Long-term disability | STANDARD INSURANCE COMPANY | 749 | $199K |
| Other(2 contracts) | METLIFE LEGAL PLANS OF FLORIDA | 6 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.