| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA ST STE 1900 TAMPA, FL 336024776 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA ST STE 1900 TAMPA, FL 336024776 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 5216 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA ST TAMPA, FL 33602 | SOLSTICE BENEFITS, INC. | $1K | $0 | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 5216 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | 400 N. TAMPA ST, STE 1900 TAMPA, FL 33602 | ADVANTICA INSURANCE COMPANY | $798 | $0 | $798 | 10.00% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 101 | $767K |
| Dental | SOLSTICE BENEFITS, INC. | 84 | $15K |
| Vision | ADVANTICA INSURANCE COMPANY | 97 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 101 | $526K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.