| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 323093435 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 10.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INS CO OF AMERICA | $18K | $5K | $22K | 14.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INS CO OF AMERICA | $5K | $0 | $5K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | — | THE GUARDIAN LIFE INS CO OF AMERICA | $350 | $0 | $350 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $152K |
| BROWN & BROWN OF FLORIDA INC EIN 59-0691921 BROKER | Other commissions Service code 55 | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | $42K |
| BROWN & BROWN INSURANCE SERVICES IN EIN 59-0691921 BROKER | Other commissions Service code 55 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | $29K |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INS CO OF AMERICA | 270 | $157K |
| Vision | THE GUARDIAN LIFE INS CO OF AMERICA | 270 | $157K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $191K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $191K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $191K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 227 | $384K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.