| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $61K | $65K | 4.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $650 | $3K | 11.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $629 | $4K | 16.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $453 | $2K | 13.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | 333 ELM STREET 3RD FLOOR DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $229 | $57 | $286 | 14.96% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.6M |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $15K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $22K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $22K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.