| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | SPECTRUM UNDERWRITING MANAGERS, A DIVISION OF COMPANION LIFE INSURANCE | — | $67K | $67K | 36.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 1201 WEST CYPRESS CREEK RD FT. LAUDERDALE, FL 33309 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH RD DAYTONA BEACH, FL 32114 | USABLE LIFE | $3K | — | $3K | 11.04% |
| THE BENEFIT DOCTOR, LLC | 2030 W BASELINE RD SUITE 182-7222 PHOENIX, AZ 85041 | USABLE LIFE | $283 | — | $283 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | USABLE LIFE | $3K | — | $3K | 11.04% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD STE. 182-7222 PHOENIX, AZ 85041 | USABLE LIFE | $255 | — | $255 | 0.93% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE RAOD, #182-7222 PHOENIX, AZ 85041 | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 18.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ROAD DAYTONA BEACH, FL 32114 | ASSURITY LIFE INSURANCE COMPANY | $916 | — | $916 | 3.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ROAD DAYTONA BEACH, FL 32144 | USABLE LIFE | $2K | — | $2K | 13.80% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD SUITE 182-7222 PHOENIX, AZ 85041 | USABLE LIFE | $147 | — | $147 | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH STREET DAYTONA BEACH, FL 32144 | USABLE LIFE | $113 | — | $113 | 13.80% |
| THE BENEFIT DOCTOR, LLC3 | 2030 W BASELINE ROAD SUITE 182-7222 PHOENIX, AZ 85041 | USABLE LIFE | $9 | — | $9 | 1.10% |
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 | 65 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SPECTRUM UNDERWRITING MANAGERS, A DIVISION OF COMPANION LIFE INSURANCE | 72 | $186K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 188 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 188 | $51K |
| Life insurance(2 contracts) | USABLE LIFE | 135 | $43K |
| Long-term disability | USABLE LIFE | 135 | $27K |
| Other(2 contracts) | USABLE LIFE | 135 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.