| 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 | $24K | — | $24K | 8.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $25K | $4K | $29K | 11.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON RD. STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 3.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $26K | $2K | $29K | 16.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 161 WORTHINGTON AVE. STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | P.O. BOX 745961 ATLANTA, GA 303745961 | VISION SERVICE PLAN | $6K | — | $6K | 10.81% |
| 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 | $4K | — | $4K | 8.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | — | DELTA DENTAL INSURANCE COMPANY | $587 | — | $587 | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 PLAN ADMINISTRATOR | Float revenue; Claims processing; Direct payment from the plan; Named fiduciary; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | — | $517K |
| BROWN & BROWN OF FLORIDA INC EIN 59-0864469 CONSULTANT | Other services Service code 49 | — | $115K |
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 | 803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 539 | $311K |
| Vision | VISION SERVICE PLAN | 412 | $54K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,039 | $253K |
| Long-term disability | STANDARD INSURANCE COMPANY | 869 | $176K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.