| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $150K | $0 | $150K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | HEALTH OPTIONS, INC | $35K | $0 | $35K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 7984 COOPER CREEK BOULEVARD SUITE 101 UNIVERSITY PARK, FL 34201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.61% |
| BROWN AND BROWN OF FLORIDA, INC.5 | 1780 NORTH KROME AVENUE HOMESTEAD, FL 33030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $6K | $786 | $7K | 4.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | COMPBENEFITS COMPANY | $586 | $278 | $864 | 4.70% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 154 | $3.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 176 | $186K |
| Vision | HUMANA INSURANCE COMPANY | 176 | $168K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $337K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $337K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $337K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 154 | $3.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.