| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AETNA LIFE INSURANCE COMPANY | $0 | $42K | $42K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AETNA HEALTH, INC. | $0 | $16K | $16K | 4.78% |
| HOWES, INC.3 | 2461W STATE ROAD 426, SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $776 | $0 | $776 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $1K | $9K | 12.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $967 | $13K | 17.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.01% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 178 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 63 | $75K |
| Vision | VISION SERVICE PLAN | 109 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $72K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $72K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 178 | $1.3M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,050 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.