| 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 | $58K | $11K | $69K | 7.00% |
| 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 | — | $18 | $18 | 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 | — | $18 | $18 | 0.00% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 6.41% |
| INSURCO INS AND FINL SVCS INC3 Filed as: INSURCO INS & FINL SVCS INC | 14401 WEST SUNRISE BLVD SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 4.42% |
| MICHELLE LAMPERT3 | 4451 N FEDERAL HIGHWAY APT 208 POMPANO BEACH, FL 33064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.33% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETE, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 10151 DEERWOOD PARK BLVD B100 S100 JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.84% |
| MICHELLE REMBERTA LOCICERO3 Filed as: MICHELLE REMBERTA LOCIERO | 4447 ASHTON MEADOWS WAY WESLEY CHAPEL, FL 33543 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.53% |
| MICHAEL GLANZROCK3 | 10100 WEST SAMPLE ROAD SUITE 104 CORAL SPRINGS, FL 33065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.52% |
| RAMON J FRIAS INC3 | 6238 NW 38TH DR CORAL SPRINGS, FL 33067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $954 | — | $954 | 0.31% |
| SUSAN BONE3 | 13660 VIA VARRA APT 107 BROOMFIELD, CO 80020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $708 | — | $708 | 0.23% |
| BRISTOWE INSURANCE GROUP3 | P O BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $687 | — | $687 | 0.22% |
| MJ INSURANCE3 Filed as: YVES ROBERT PIERRE | 2536 NW 79TH AVE MARGATE, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $527 | — | $527 | 0.17% |
| SHAWN I. STUBBS3 Filed as: SHAWN I STUBBS | 409 TWIN OAKS LANE ST JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $476 | — | $476 | 0.15% |
| RANDALL D BRISTOWE3 | P O BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $400 | — | $400 | 0.13% |
| JOHN F PECARO3 | 624 SNUG HARBOR DR UNIT B-17 BOYNTON BEACH, FL 33435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 0.12% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 0.07% |
| JAY J STRAUSS3 | 126 ROSEWOOD LANE GREENACRES, FL 33463 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 0.04% |
| JENNIFER M MORRISON3 | 245 EAST PISA PLACE ST AUGUSTINE, FL 32084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| DAVID R HARTING3 | 4926 SABAL LAKE CIRCLE SARASOTA, FL 34238 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MARTHA LAWLER3 | 12077 VAN GOGH DRIVE EL PASO, TX 79936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRAOWN OF FLORIDA INC | 220 S. RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.96% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | ALLSTATE WORKPLACE DIVISION | $4K | — | $4K | 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 | $1K | — | $1K | 1.05% |
| 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 | $843 | $1K | $2K | 2.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.09% |
| 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 | $2K | $3 | $2K | 5.89% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.27% |
| INSURCO INS AND FINL SVCS INC3 Filed as: INSURCO INS & FINL SVCS INC | 14401 WEST SUNRISE BLVD SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $980 | — | $980 | 3.17% |
| MICHELLE LAMPERT3 | 4451 N FEDERAL HIGHWAY APT 208 POMPANO BEACH, FL 33064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | — | $506 | 1.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 10151 DEERWOOD PARK BLVD B100 S100 JACKSONVILLE, FL 32256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 0.63% |
| MICHAEL GLANZROCK3 | 10100 WEST SAMPLE ROAD SUITE 104 CORAL SPRINGS, FL 33065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 0.54% |
| MICHELLE REMBERTA LOCICERO3 Filed as: MICHELLE REMBERTA LOCIERO | 4447 ASHTON MEADOWS WAY WESLEY CHAPEL, FL 33543 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.38% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETE, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.35% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.20% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.18% |
| MJ INSURANCE3 Filed as: YVES ROBERT PIERRE | 2536 NW 79TH AVE MARGATE, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| RAMON J FRIAS INC3 | 6238 NW 38TH DR CORAL SPRINGS, FL 33067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| JOHN F PECARO3 | 624 SNUG HARBOR DR UNIT B-17 BOYNTON BEACH, FL 33435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| SUSAN BONE3 | 13660 VIA VARRA APT 107 BROOMFIELD, CO 80020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| RANDALL D BRISTOWE3 | P O BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| BRISTOWE INSURANCE GROUP3 | P O BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| SHAWN I. STUBBS3 Filed as: SHAWN I STUBBS | 409 TWIN OAKS LANE ST JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTINENTAL BENEFITS CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 422 S. KING AVENUE BRANDON, FL 33511 | $96K |
| CIGNA PPO NETWORK, CASE MANAGE | Insurance services; Claims processing Service code 12 | PO BOX 13701 PHILADELPHIA, PA 19101 | $86K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $15K |
| HEALTHCARE BLUE BOOK TRANSPARANCY VENDOR | Claims processing Service code 12 | 330 FRANKLIN ROAD, 135A BRENTWOOD, TN 37027 | $13K |
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 | 1,511 | 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) | 1,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 461 | $310K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,511 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,511 | $986K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,511 | $986K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,511 | $986K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,511 | $1.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 590 | $285K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,511 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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.