| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $15K | $70K | 7.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BLVD BLDG 100 STE 100 JACKSONVILLE, FL 322560566 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 3.36% |
| MICHELLE LAMPERT3 | 740 S FEDERAL HIGHWAY APT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 2.45% |
| 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 | $9K | — | $9K | 2.38% |
| 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 | $8K | — | $8K | 2.24% |
| DANIEL CARRIAZO3 | 8351 SW 124TH AVE STE 104 MIAMI, FL 33183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.69% |
| 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 | 0.78% |
| RAMON J FRIAS INC3 | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| CANDACE CONKLIN3 | 2402 DUQUESNE AVE APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.47% |
| JAVIER M HERNANDEZ3 | 1040 BAYVIEW DR #130 FT LAUDERDALE, FL 33304 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $855 | — | $855 | 0.24% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | — | $296 | 0.08% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $249 | — | $249 | 0.07% |
| SUSAN BONE3 | 2425 SAGAMONT DRIVE BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | — | $245 | 0.07% |
| BRISTOWE INSURANCE GROUP3 | PO BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244 | — | $244 | 0.07% |
| RANDALL D BRISTOWE3 | P.O. BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 0.06% |
| MICHELLE REMBERTA LOCICERO3 | 7526 CATTLE DRIVE PLANT CITY, FL 33565 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 0.05% |
| SHAWN I. STUBBS3 Filed as: SHAWN I STUBBS | 409 TWIN OAKS LANE ST JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 0.05% |
| HOLLY A REMUS3 Filed as: HOLLY ANN REMUS | 1265 BAILEY AVENUE DELTONA, FL 32725 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.04% |
| JOHN F PECARO3 | 624 SNUG HARBOR DRIVE UNIT B-17 BOYNTON BEACH, FL 33435 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.04% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.04% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE ST PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.03% |
| JEAN LARICE DESPAGNE3 | 10363 SW 24TH ST MIRAMAR, FL 33025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.02% |
| MJ INSURANCE3 Filed as: YVES ROBERT PIERRE | 2536 NW 79TH AVE MARGATE, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.01% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| AHL-ALLSTATE3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| JENNIFER M MORRISON3 | 245 EAST PISA PLACE ST. AUGUSTINE, FL 32084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| THE SANDERS GROUP INC3 Filed as: SANDERS INSURANCE LLC | 25 WEST HILLCREST DRIVE SARASTOGA SPRINGS, UT 84045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| PATRICK BRADY3 | 901 SE 17TH ST CS 218 FT LAUDERDALE, FL 33316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JAY J STRAUSS3 | 126 ROSEWOOD LANE GREENACRES, FL 33463 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAVIER ORTIZ3 | 8271 WEST BROWARD BLVD PLANTATION, FL 33324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARTHA LAWLER3 | 12077 VAN GOGH DR EL PASO, TX 79936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.90% |
| INSURCO INS AND FINL SVCS INC3 | 14401 WEST SUNRISE BLVD SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| JAVIER M HERNANDEZ3 | 1040 BAYVIEW DRIVE #130 FT LAUDERDALE, FL 33304 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | SAFEGUARD HEALTH PLANS, INC. | $666 | $1K | $2K | 2.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.20% |
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 | 881 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH OPTIONS | 409 | $8.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,796 | $953K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,796 | $887K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,796 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,796 | $887K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,796 | $887K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 409 | $5.6M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,796 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,796 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.