| 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 | — | $34K | $34K | 2.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AETNA LIFE INSURANCE COMPANY | — | $30K | $30K | 2.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | AETNA HEALTH INC. | — | $16K | $16K | 4.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AETNA HEALTH INC. | — | $10K | $10K | 2.56% |
| HOWES, INC.3 | 2461 STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 9.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.79% |
| 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 | $1K | — | $1K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $618 | $9K | 10.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $401 | $8K | 15.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | VISION SERVICE PLAN | $2K | — | $2K | 9.33% |
| SHEILA HALBROOKS3 | 3686 NW 111TH AVENUE SUNRISE, FL 33351 | AFLAC | $420 | $7 | $427 | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN AND VARIOUS AGENTS | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AFLAC | $235 | $4 | $239 | 1.92% |
| MEL BLOOMBERG, INC.3 | 4455 SUGAR PINE DRIVE BOCA RATON, FL 33487 | AFLAC | $202 | $3 | $205 | 1.65% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $167 | — | $167 | 1.34% |
| BONNIE J. BLOOM3 Filed as: BONNIE BLOOM | 10097 CLEARY BOULEVARD, SUITE 156 PLANTATION, FL 33324 | AFLAC | $134 | — | $134 | 1.08% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $42 | — | $42 | 0.34% |
| JUAN C FERLINI3 Filed as: JUAN C. FERLINI | 13826 CHRISTIAN BARRETT DRIVE MOORPARK, CA 93021 | AFLAC | $39 | — | $39 | 0.31% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 191 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 103 | $81K |
| Vision | VISION SERVICE PLAN | 102 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $53K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 191 | $1.6M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 210 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.