| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BLVD. BLDG. 100 STE 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC | $18K | — | $18K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BLVD. BLDG. 100 STE 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 15.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE DAYTONA, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $507 | — | $507 | 0.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BLVD BLDG 100 STE 100 JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 15.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $724 | $724 | 1.43% |
| KATHLEEN KAM3 | 10151 DEERWOOD PARK BLVD BLDG 100 SUITE 100 JACKSONVILLE, FL 32256 | HEALTHIEST YOU | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BLVD BLDG 100 STE 100 JACKSONVILLE, FL 32256 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $68 | — | $68 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $12 | $12 | — |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 65 | $841K |
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 258 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $78K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $51K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $51K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 65 | $841K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 258 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.