| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 10151 DEERWOOD PARK BOULEVARD SUITE 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS | $27K | $0 | $27K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 10151 DEERWOOD PARK BOULEVARD SUITE 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | $0 | $10K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745897 SUITE 100 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 10151 DEERWOOD PARK BOULEVARD SUITE 100 JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $37 | $5K | 16.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $397 | $397 | 1.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 10151 DEERWOOD PARK BOULEVARD SUITE 100 JACKSONVILLE, FL 32256 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 745897 SUITE 100 ATLANTA, GA 30374 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $303 | $0 | $303 | 1.73% |
| KATHLEEN KAM3 | 10151 DEERWOOD PARK BOULEVARD SUITE 100 JACKSONVILLE, FL 32256 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 79 | $943K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $63K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 148 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $29K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 56 | $30K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 56 | $30K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 79 | $943K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.