| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE. DAYTONA BEACH, FL 32114 | DELTA DENTAL INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE. DAYTONA BEACH, FL 32114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $790 | $6K | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE. DAYTONA BEACH, FL 32114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $706 | $13K | 10.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE. DAYTONA BEACH, FL 32114 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $614 | $11K | 10.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE. DAYTONA BEACH, FL 32114 | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE. DAYTONA BEACH, FL 32114 | VISION SERVICE PLAN | $5K | — | $5K | 9.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 PLAN ADMINISTRATOR | Other services; Float revenue; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Claims processing; Participant communication; Named fiduciary Service code 12 | — | $545K |
| BROWN & BROWN OF FLORIDA INC EIN 59-0864469 CONSULTANT | Other services Service code 49 | — | $130K |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 595 | $270K |
| Vision | VISION SERVICE PLAN | 396 | $51K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,047 | $228K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 867 | $141K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,336 | $735K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,047 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,336 | — |
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.