| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | P.O. BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $3K | $34K | 7.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL CAROLINA | 10151 DEERWOOD PARK BLVD JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BLVD JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | ALLSTATE BENEFITS | $22K | — | $22K | 7.43% |
| INSURCO INS AND FINL SVCS INC3 Filed as: INSURCO INS. & FINL SVCS INC. | 14401 WEST SUNRISE BLVD SUNRISE, FL 33323 | ALLSTATE BENEFITS | $14K | — | $14K | 4.77% |
| SUSAN BONE3 | 13660 VIA VARPA APT 107 BROOMFIELD, CO 80020 | ALLSTATE BENEFITS | $3K | — | $3K | 1.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 10151 DEERWOOD PARK BLVD. B100 S100 JACKSONVILLE, FL 32256 | ALLSTATE BENEFITS | $3K | — | $3K | 0.91% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD. DAVIE, FL 33331 | ALLSTATE BENEFITS | $2K | — | $2K | 0.82% |
| SHAWN I. STUBBS3 Filed as: SHAWN STUBBS | 409 TWIN OAKS LANE ST. JOHNS, FL 32259 | ALLSTATE BENEFITS | $2K | — | $2K | 0.62% |
| RAMON J FRIAS INC3 Filed as: RAMON J FRIAS INC. | 6238 NW 38TH DRIVE CORAL SPRINGS, FL 33067 | ALLSTATE BENEFITS | $2K | — | $2K | 0.59% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | ALLSTATE BENEFITS | $1K | — | $1K | 0.48% |
| MICHAEL GLANZROCK3 | 10100 WEST SAMPLE ROAD SUITE 104 CORAL SPRINGS, FL 33065 | ALLSTATE BENEFITS | $1K | — | $1K | 0.40% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST. PETE, FL 33702 | ALLSTATE BENEFITS | $924 | — | $924 | 0.31% |
| MICHELLE REMBERTA LOCICERO3 Filed as: MICHELLE REMBERTA LOCIERO | 4447 ASHTON MEADOWS WAY WESLEY CHAPEL, FL 33543 | ALLSTATE BENEFITS | $911 | — | $911 | 0.30% |
| BRISTOWE INSURANCE GROUP3 | P.O. BOX 550710 JACKSONVILLE, FL 32255 | ALLSTATE BENEFITS | $857 | — | $857 | 0.28% |
| RANDALL D BRISTOWE3 | P.O. BOX 550710 JACKSONVILLE, FL 32255 | ALLSTATE BENEFITS | $755 | — | $755 | 0.25% |
| JOHN F PECARO3 | 624 SNUG HARBOR DRIVE UNIT B-17 BOYNTON BEACH, FL 33435 | ALLSTATE BENEFITS | $453 | — | $453 | 0.15% |
| MICHELLE LAMPERT3 | 4451 N FEDERAL HIGHWAY APT 208 POMPANO BEACH, FL 33064 | ALLSTATE BENEFITS | $223 | — | $223 | 0.07% |
| BENEFITS TECHNOLOGIES LLC3 | 2300 NW CORPORATE BLVD. 215 BOCA RATON, FL 33431 | ALLSTATE BENEFITS | $155 | — | $155 | 0.05% |
| JENNIFER M MORRISON3 | 245 EAST PISA PLACE ST. AUGUSTINE, FL 32084 | ALLSTATE BENEFITS | $33 | — | $33 | 0.01% |
| JAY J STRAUSS3 | 126 ROSEWOOD LANE GREENACRES, FL 33463 | ALLSTATE BENEFITS | $14 | — | $14 | 0.00% |
| MARTHA LAWLER3 | 12077 VAN GOGH DRIVE EL PASO, TX 79936 | ALLSTATE BENEFITS | $1 | — | $1 | 0.00% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | ALLSTATE WORKPLACE DIVISION | $3K | — | $3K | 3.85% |
| INSURCO INS AND FINL SVCS INC3 Filed as: INSURCO INS AND FINL SVCS INC. | 14401 WEST SUNRISE BLVD SUNRISE, FL 33323 | ALLSTATE WORKPLACE DIVISION | $2K | — | $2K | 2.10% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST. PETE, FL 33702 | ALLSTATE WORKPLACE DIVISION | $771 | — | $771 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | P.O. BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $771 | $385 | $1K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL CAROLINA | 10151 DEERWOOD PK. BLVD. BLDG 100, STE 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $272 | $6K | 15.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $407K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINSTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $15K |
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 | 663 | 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) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE BENEFITS | 430 | $302K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $491K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $434K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $434K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $470K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 583 | $250K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.