| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | 300 N. BEACH ST DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | $157K | $184K | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC. | PO BOX 745961 SUITE 130 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $24K | $5K | $29K | 14.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | PO BOX 745961 SUITE 130 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $23K | $5K | $28K | 14.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | PO BOX 745961 SUITE 130 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $15K | $3K | $19K | 14.57% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $11K | $11K | 17.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 8825 NW 21 TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE CO. | $10K | — | $10K | 15.69% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | -$2K | -$2K | -2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745961 ATLANTA, GA 30374 | METLIFE LEGAL PLANS OF FLORIDA | $460 | — | $460 | 8.74% |
| 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 | — | $172 | $172 | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | — | $48 | $48 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745961 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $427 | $20 | $447 | 11.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $236 | $236 | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $38 | $38 | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745961 ATLANTA, GA 30374 | METLIFE LEGAL PLANS OF FLORIDA | $292 | — | $292 | 8.50% |
| 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 | — | $98 | $98 | 2.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | — | $16 | $16 | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745961 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $318 | $14 | $332 | 11.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $146 | $146 | 4.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $25 | $25 | 0.85% |
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 | 677 | 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) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 468 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 468 | $5.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 468 | $5.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 703 | $198K |
| Short-term disability | STANDARD INSURANCE COMPANY | 703 | $128K |
| Long-term disability | STANDARD INSURANCE COMPANY | 703 | $191K |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 468 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
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.