| 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 | AETNA LIFE INSURANCE COMPANY | — | $66K | $66K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA, INC. | 7009 DOCTOR PHILLIPS BOULEVARD ORLANDO, FL 32819 | AETNA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | AETNA HEALTH, INC. | $20K | — | $20K | 4.82% |
| HOWES, INC.3 Filed as: HOWES INC | 2461 STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $52K | — | $52K | 27.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | — | $22K | 11.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $2K | $11K | 11.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 19.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| SHEILA HALBROOKS3 | 3686 NW 111TH AVENUE SUNRISE, FL 33351 | AFLAC | $495 | $34 | $529 | 4.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN AND VARIOUS AGENTS | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | AFLAC | $243 | $14 | $257 | 1.98% |
| MEL BLOOMBERG, INC.3 Filed as: MEL BLOOMBERG INC | 4455 SUGAR PINE DRIVE BOCA RATON, FL 33487 | AFLAC | $233 | $12 | $245 | 1.89% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $178 | — | $178 | 1.37% |
| BONNIE J. BLOOM3 Filed as: BONNIE BLOOM | 10097 CLEARY BOULEVARD, SUITE 156 PLANTATION, FL 33324 | AFLAC | $123 | — | $123 | 0.95% |
| ALAN D DISKIN3 Filed as: ALAN D. DISKIN | 5851 HOLMBERG ROAD, APARTMENT 416 PARKLAND, FL 33067 | AFLAC | $66 | — | $66 | 0.51% |
| JUAN C FERLINI3 Filed as: JUAN C. FERLINI | 18821 NW 5TH STREET PEMBROKE PINES, FL 33029 | AFLAC | $44 | $14 | $58 | 0.45% |
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 | 538 | 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) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 265 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 98 | $94K |
| Vision | VISION SERVICE PLAN | 154 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 538 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 538 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 538 | $71K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 265 | $1.8M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 676 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.