| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $2K | $22K | 5.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FT LAUDERDALE, FL 33314 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $182 | $182 | 1.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD. FT. LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $591 | $2 | $593 | 8.16% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $47 | $226 | 3.11% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $41 | $161 | 2.22% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $8 | $89 | 1.23% |
| JOSE H MUNGARRIETA3 | 12338 DORA TRL DAVIE, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.74% |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.62% |
| MARIELENA HERRERA3 | 12338 DORA TRL PARRISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.34% |
| HEIDI S WEISHAUPT3 | 4520 29TH AVE CIR E PALMETTO, FL 34221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.06% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $379K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $379K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $379K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $10K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $10K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $379K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.