| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC | $27K | $0 | $27K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | $0 | $10K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745897 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $63 | $12K | 6.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $185 | $7K | 3.82% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN, INC. | PO BOX 173086 TAMPA, FL 33672 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $840 | $840 | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | HEALTHIEST YOU | $1K | $0 | $1K | 9.77% |
| KATHLEEN KAM3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | HEALTHIEST YOU | $697 | $0 | $697 | 5.24% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 107 | $923K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $186K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $186K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $186K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $186K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 107 | $923K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.