| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S RIDGEWOOD AVE STE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 18.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $9K | 6.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 24.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 23.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 321152412 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $983 | $0 | $983 | 6.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 745961 ATLANTA, GA 303745961 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $508 | $0 | $508 | 3.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $340 | $2K | 18.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 745961 ATLANTA, GA 303745961 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | $0 | $4 | 6.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 321152412 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | $0 | $2 | 3.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 NONE | Contract Administrator; Claims processing; Participant communication Service code 12 | 8731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | $92K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Direct payment from the plan; Other services Service code 49 | — | $28K |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $136K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 253 | $16K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $175K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $33K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 215 | $603K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.