| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | HUMANA MEDICAL PLAN, INC. | $26K | $2K | $28K | 5.62% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN RD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $774 | $2K | 6.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W. CYPRESS CREEK RD FT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $71 | $2K | 6.14% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $351 | $720 | 2.46% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $113 | $437 | 1.49% |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | — | $423 | 1.44% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON R NOWELL | 4111 NW 9TH ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 1.11% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 2ND FL BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 1.11% |
| AVERY INSURANCE INC3 | 460 SE 3RD TERRACE POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.32% |
| MARIO JUNCO3 | 13362 SW 26 TERRACE MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| RYAN GRADY LEGGETT3 | 5091 SW 94TH TERRACE COOPER CITY, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JUAN DAVID FRANCO3 | 160 HIBISCUS ST TAVERNIER, FL 33070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARIELENA HERRERA3 | 10920 NW 67TH STREET DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $2K | $813 | $2K | 13.32% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 7.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $840 | $840 | 6.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | COMPBENEFITS COMPANY | $602 | $360 | $962 | 13.71% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 63 | $501K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 37 | $25K |
| Vision | HUMANA INSURANCE COMPANY | 37 | $18K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $42K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $42K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 63 | $501K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.