| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. SERVICES | 300 N. BEACH ST DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $159K | $164K | 3.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $17K | $17K | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 12.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 SUITE 130 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 2.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 SUITE 130 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| 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 | — | $4K | $4K | 2.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 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 | 2.48% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $12K | $12K | 17.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 8825 NW 21 TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 15.69% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | -$1K | -$1K | -2.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745961 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $98 | $1K | 9.29% |
| 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 | — | $512 | $512 | 4.26% |
| 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 | — | $165 | $165 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 425 | $5.1M |
| Dental | STANDARD INSURANCE COMPANY | 394 | $204K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 425 | $5.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 682 | $211K |
| Short-term disability | STANDARD INSURANCE COMPANY | 681 | $104K |
| Long-term disability | STANDARD INSURANCE COMPANY | 682 | $205K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. | 237 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.