| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD STE. 500 TALLAHASSEE, FL 32309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $332K | — | $332K | 3.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 5775 GLENDRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNUM | $145K | $20K | $166K | 23.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3520 THOMASVILLE ROAD STE 500 TALLAHASSEE, FL 30328 | UNUM | $53K | — | $53K | 7.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM | $3 | — | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD STE 500 TALLAHASSEE, FL 32309 | DELTA DENTAL INSURANCE COMPANY | $49K | — | $49K | 8.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD TALLAHASSEE, FL 32309 | LINCOLN FINANCIAL GROUP | $32K | — | $32K | 20.00% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $5K | $33K | 24.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3520 THOMASVILLE RD STE 500 PO BOX 13769 TALLAHASSEE, FL 32309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $101 | $11K | 8.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $902 | $902 | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE ROAD STE 500 TALLAHASSEE, FL 32309 | VISION SERVICE PLAN | $12K | — | $12K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 3520 THOMASVILLE ROAD STE. 500 TALLAHASSEE, FL 32309 | LINCOLN FINANCIAL GROUP | $11K | — | $11K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD STE.500 TALLAHASSEE, FL 32309 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 8.25% |
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 | 2,385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,162 | $11.1M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,628 | $624K |
| Vision | VISION SERVICE PLAN | 922 | $118K |
| Life insurance(3 contracts, 3 carriers) | UNUM | 2,385 | $951K |
| Short-term disability | UNUM | 2,385 | $703K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 369 | $162K |
| Other(2 contracts, 2 carriers) | UNUM | 2,385 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,385 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.