| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2911 CARDINAL DR VERO BEACH, FL 32963 | HEALTH OPTIONS | $28K | — | $28K | 6.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2911 CARDINAL DR VERO BEACH, FL 32963 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 14.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6905 N WICKHAM RD STE 501 MEBOURNE, FL 32940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $368 | $2K | 19.08% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $270 | $270 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6905 N WICKHAM RD STE 501 MELBOURNE, FL 32940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $345 | $2K | 18.98% |
| ENTROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $260 | $260 | 3.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 61 | $511K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $78K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $78K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $78K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $87K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $78K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 61 | $511K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.