| 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 ROAD SUITE 500 TALLAHASSEE, FL 32309 | BCBS HEALTHCARE PLAN OF GEORGIA INC | $90K | $0 | $90K | 6.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LAKE LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INS CO OF AMERICA | $24K | $8K | $32K | 14.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SO. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INS CO OF AMERICA | $493 | $0 | $493 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FL INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 323093435 | AMERICAN HERITAGE LIFE INSURANCE CO | $5K | $0 | $5K | 21.15% |
| P L F INC3 | P.O. BOX 1846 BAINBRIDGE, GA 39818 | AMERICAN HERITAGE LIFE INSURANCE CO | $62 | $0 | $62 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 323093435 | AMERICAN HERITAGE LIFE INSURANCE CO | $3K | $0 | $3K | 17.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 323093435 | AMERICAN HERITAGE LIFE INSURANCE CO | $358 | $0 | $358 | 12.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 32309 | BCBS OF GEORGIA, INC | $0 | $0 | $0 | — |
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 | 257 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS HEALTHCARE PLAN OF GEORGIA INC | 237 | $1.4M |
| Dental | THE GUARDIAN LIFE INS CO OF AMERICA | 290 | $219K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS CO OF AMERICA | 290 | $219K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INS CO OF AMERICA | 290 | $261K |
| Short-term disability(4 contracts, 2 carriers) | THE GUARDIAN LIFE INS CO OF AMERICA | 290 | $264K |
| Long-term disability | THE GUARDIAN LIFE INS CO OF AMERICA | 290 | $219K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INS CO OF AMERICA | 290 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.