| 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. | $23K | $114K | $137K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | $101K | $118K | 13.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | HEALTH OPTIONS, INC. | $11K | $66K | $76K | 14.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 4.85% |
| 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 | $7K | $3K | $9K | 13.96% |
| 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 | $6K | $1K | $7K | 18.74% |
| 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 | $3K | $1K | $5K | 14.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-DAYTONA BCH | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | SAFEGUARD HEALTH PLANS, INC. | $2K | $254 | $2K | 11.52% |
| 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 | $493 | $307 | $800 | 11.36% |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 212 | $2.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $125K |
| Vision | HUMANA INSURANCE COMPANY | 181 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $34K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 68 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.