| 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 | $104K | $12K | $116K | 5.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604 W SAN ANTONIO, TX 782491373 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $57K | $64K | 6.98% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST FL 24 CINCINNATI, OH 452022701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | UNITEDHEALTHCARE INSURANCE COMPANY | $438 | — | $438 | 0.05% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $10K | — | $10K | 2.59% |
| 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 | $14K | — | $14K | 3.66% |
| DANIEL CARRIAZO3 | 10805 SW 134 COURT MIAMI, FL 331863318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 3.28% |
| 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 | $12K | — | $12K | 3.22% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 1.69% |
| MICHELLE LAMPERT3 | 740 S FEDERAL HIGHWAY APT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.86% |
| PAUL FREIRE3 | 3397 HYDE PARK DRIVE CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.74% |
| 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 | 0.74% |
| JAVIER M HERNANDEZ3 | 8936 TAFT ST PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| RAMON J FRIAS INC3 | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $863 | — | $863 | 0.23% |
| ANDREA M FALLON-MARESE3 | 4201 NE 27TH AVENUE LIGHTHOUSE POINT, FL 33064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $622 | — | $622 | 0.17% |
| RANDALL D BRISTOWE3 | P.O. BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.04% |
| BRISTOWE INSURANCE GROUP3 | PO BOX 550710 JACKSONVILLE, FL 32255 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.04% |
| SUSAN BONE3 | 2425 SAGAMONT DRIVE BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.04% |
| SHAWN I. STUBBS3 Filed as: SHAWN I STUBBS | 409 TWIN OAKS LANE ST JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 0.03% |
| JOHN F PECARO3 | 165 ELLESMERE UNIT G DEERFIELD BEACH, FL 33442 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.03% |
| DIEGO ESPAGNOL3 | 6141 SUPERIOR BLVD DAVIE, FL 33331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.03% |
| ORLANDO SAAVEDRA3 | 3471 SW 143 CT MIAMI, FL 33175 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.02% |
| CANDACE CONKLIN3 | 2402 DUQUESNE AVE APOPKA, FL 32712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.02% |
| JOSEF GOLUB3 | 268 SUNLIT COVE DR NE ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.01% |
| VONDA GOLUB3 | 287 BELLEAIR DR NE ST PETERSBURG, FL 33704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.01% |
| JEAN LARICE DESPAGNE3 | 10363 SW 24TH ST MIRAMAR, FL 33025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.01% |
| DESSO FORMAN3 Filed as: DESSO H FORMAN | 28059 US HWY 19 N STE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| JAY J STRAUSS3 | 126 ROSEWOOD LANE GREENACRES, FL 33463 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| MICHELLE REMBERTA LOCICERO3 | 7526 CATTLE DRIVE PLANT CITY, FL 33565 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| ROBERT PIERRE YVES3 | 2536 NW 79TH AVE MARGATE, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| HOLLY A REMUS3 Filed as: HOLLY ANN REMUS | 1265 BAILEY AVENUE DELTONA, FL 32725 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| WAEL MOUALA3 | 7270 WESTPOINTE BLVD #931 ORLANDO, FL 32835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| KINGDOM BENEFIT GROUP LLC3 | 2771 SPICEBUSH LOOP APOPKA, FL 32712 | 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% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAVIER ORTIZ3 | 11764 W SAMPLE RD SUITE 104 CORAL SPRINGS, FL 33065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN CHAMBERS3 | 9764 1ST STREET N ST PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$11 | — | -$11 | -0.00% |
| LINDSEY MCCLAMMY3 | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | ALL SAVERS INSURANCE COMPANY | $6K | — | $6K | 6.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD DAYTONA BEACH, FL 32114 | ALL SAVERS INSURANCE COMPANY | $4K | — | $4K | 4.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 321152480 | ALL SAVERS INSURANCE COMPANY | $112 | — | $112 | 0.12% |
| ROBERT M GLASS CORP3 | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.77% |
| INSURCO INS AND FINL SVCS INC3 | 14401 WEST SUNRISE BLVD SUNRISE, FL 33323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| JAVIER M HERNANDEZ3 | 8936 TAFT ST PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $304 | — | $304 | 0.34% |
| 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 | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | SAFEGUARD HEALTH PLANS, INC. | $319 | $98 | $417 | 1.31% |
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 | 1,967 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,203 | $11.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $2.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $2.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,203 | $9.8M |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 22 | $97K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,839 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.