| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 4.46% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD FORT LAUDERDALE, FL 33321 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | $0 | $8K | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC. | $16K | — | $16K | 4.44% |
| KEYES COVERAGE INC3 Filed as: KEYES COVERAGE INC. | 5900 HIATUS ROAD TAMARAC, FL 33321 | HEALTH OPTIONS, INC. | $6K | — | $6K | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $965 | $5K | 9.45% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD FORT LAUDERDALE, FL 33321 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.73% |
| SABAL BENEFITS, LLC3 Filed as: SABAL BENEFITS LLC | 1000 E BROWARD BLVD FORT LAUDERDALE, FL 33301 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $320 | $0 | $320 | 1.26% |
| MOFAR STRATEGIES INC3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 14.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $137 | $1K | 6.76% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIAL INC. | 11830 NW 32 MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $729 | $1K | 6.51% |
| MATTHEW GRADY LEGGETT | 8825 LAKE PARK CIRCLE SOUTH DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $891 | $0 | $891 | 5.28% |
| LISA M RUSSEY3 Filed as: LISA RUSSEY | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | $151 | $490 | 2.90% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON R NOWELL | 10954 MILL POND WAY ORLANDO, FL 32825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 1.05% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 2ND FLR BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $0 | $168 | 1.00% |
| AVERY INSURANCE INC3 Filed as: AVERY INS. INC. | 460 SE 3RD TERRACE POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.28% |
| RYAN GRADY LEGGETT3 | 5091 SW 94TH TER COOPER CITY, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $366 | $2K | 15.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $987 | $595 | $2K | 13.45% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 48 | $859K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 107 | $52K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 107 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $13K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 48 | $859K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 186 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.