| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $89K | $0 | $89K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HEALTH OPTIONS, INC. | $31K | $0 | $31K | 4.00% |
| JOHN SPOONER3 | 2600 LAKE LUCIEN DRIVE MAITLAND, FL 32754 | CAPITAL HEALTH PLAN | $18K | $0 | $18K | 2.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33310 | HARTFORD LIFE AND ACCIDENT | $59K | $0 | $59K | 10.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $0 | $57 | $57 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $15 | $36K | 11.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.85% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT LINER AND BUSS LLC | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | METROPOLITAN LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $14K | $0 | $14K | 4.56% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GRP & OTHER AGENTS | 1425 PIEDMONT DRIVE EAST SUITE 101B TALLAHASSEE, FL 32308 | AFLAC | $13K | $671 | $14K | 5.04% |
| ERIN L KIRKLAND3 Filed as: ERIN KIRKLAND | 1775 PINE PARK ROAD CAIRGO, GA 39828 | AFLAC | $8K | $869 | $9K | 3.40% |
| WENDI SILVERS3 | 2240 DEERWOOD DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $7K | $746 | $8K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | AFLAC | $3K | $0 | $3K | 1.00% |
| MARIANNE F BOOTH3 Filed as: MARIANNE BOOTH | PO BOX 359 TRILBY, FL 33593 | AFLAC | $2K | $425 | $2K | 0.87% |
| SARAH E NUNZIATO3 Filed as: SARAH NUNZIATO | 98 GREEN FOREST DRIVE ORMOND BEACH, FL 32174 | AFLAC | $2K | $149 | $2K | 0.81% |
| GLENN L DAYTON3 Filed as: GLENN DAYTON | 192 FAIRWAY MEADOWS DRIVE SUITE 211 HAYESVILLE, NC 28904 | AFLAC | $2K | $0 | $2K | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 9.81% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 261 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 992 | $327K |
| Vision | HUMANA INSURANCE COMPANY | 360 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 992 | $327K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 624 | $861K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 624 | $591K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 236 | $3.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 992 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.