| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 12.56% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | — | $941 | $941 | 1.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $717 | $717 | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST. DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 20.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 595 STEWART AVE STE 700 GARDEN CITY, NJ 11530 | STANDARD INSURANCE COMPANY | — | $976 | $976 | 2.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | — | $975 | $975 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NJ 11530 | STANDARD INSURANCE COMPANY | — | $700 | $700 | 2.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | — | $553 | $553 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 595 STEWART AVE STE 700 GARDEN CITY, NJ 11530 | STANDARD INSURANCE COMPANY | — | $486 | $486 | 2.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 12.56% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | STANDARD INSURANCE COMPANY | — | $227 | $227 | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | — | $149 | $149 | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NJ 11530 | STANDARD INSURANCE COMPANY | — | $113 | $113 | 1.27% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 90 | $56K |
| Vision | STANDARD INSURANCE COMPANY | 81 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 76 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 36 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.