| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BOULEVARD BUILDING JACKSONVILLE, FL 32256 | HEALTH OPTIONS | $44K | — | $44K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $813 | $813 | 1.58% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC DBA SALUS GROU | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $474 | — | $474 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | PRINCIPAL LIFE INSURANCE COMPANY | $504 | — | $504 | 1.17% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC DBA SALUS GROU | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | PRINCIPAL LIFE INSURANCE COMPANY | $71 | — | $71 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | PRINCIPAL LIFE INSURANCE COMPANY | -$84 | — | -$84 | -0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $861 | — | $861 | 10.00% |
| RANDALL HALLMAN3 | 2632 LOOPRIDGE DRIVE ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 2.80% |
| CAPITAL ANALYSTS OF JACKSONVILLE FL3 | 8160 BAYMEADOWS WAY WEST JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 2.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.66% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.45% |
| TANYA MIRIAM KAKON3 | 98 ABALONE LANE EAST PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.40% |
| TOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.33% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.22% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.19% |
| THOMAS WALLACE JR3 | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.16% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE SOUTH SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| VB SOLUTIONS LLC3 | 7111 NORTHEAST 222ND STREET MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD ROAD FRANKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| KATHLEEN KAM3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | HEALTHIEST YOU | $660 | — | $660 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | SUN LIFE ASSURANCE COMPANY OF CANADA | $454 | — | $454 | 30.45% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC DBA SALUS GROU | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11 | — | $11 | 0.74% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 74 | $906K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 80 | $43K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 68 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $51K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $57K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $51K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 74 | $906K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.