| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $51K | — | $51K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 321152412 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 321152412 | METROPOLITAN LIFE INSURANCE | $2K | $250 | $2K | 11.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-DAYTONA | PO BOX 2412 DAYTONA BEACH, FL 321152412 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | $370 | $836 | 12.56% |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 238 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $112K |
| Vision | HUMANA INSURANCE COMPANY | 172 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $24K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 55 | $992K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.