| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1201 W CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1201 W CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC. | $11K | $0 | $11K | 4.06% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 10.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $15 | $4K | 5.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $773 | $2K | 3.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $790 | $790 | 1.12% |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS, LLC | 109 N BRUSH ST STE 260 TAMPA, FL 33602 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 4.00% |
| INTRUST BUSINESS PARTNERS LLC3 Filed as: INTRUST BUSINESS PARTNERS, LLC | 109 N BRUSH ST STE 260 TAMPA, FL 33602 | HEALTH OPTIONS | $1K | $0 | $1K | 4.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $691K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $70K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $70K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $691K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.