| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 9.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 17.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 301 MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| TIMOTHY M COLTON3 Filed as: TIMOTHY M. COLTON | 3470 RAVENCREEK LANE OVIEDO, FL 32766 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $730 | — | $730 | 13.19% |
| TANYA L BURNS AND ASSOCIATES3 Filed as: TANYA L. BURNS | 2519 EAST SOUTH STREET ORLANDO, FL 32803 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 1.84% |
| MARIA M. DAHLBERG3 | PO BOX 181892 CASSELBERRY, FL 32718 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.38% |
| CHARLES B. COX3 | 203 LONESOME PINE DRIVE LONGWOOD, FL 32779 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.27% |
| JACK C. TARPLEY3 | 4920 EMILEE GRACE LANE SAINT CLOUD, FL 34771 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.16% |
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 | 264 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $166K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $59K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $50K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.