| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | HM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC. | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | SUN LIFE ASSURANCE CO. OF CANADA | $15K | $0 | $15K | 3.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.1M |
| BROWN & BROWN OF P.A., INC. | Insurance agents and brokers Service code 22 | — | $931K |
| THOMAS HOWELL FERGUSON P.A. EIN 59-3186310 AUDITOR | Accounting (including auditing) Service code 10 | — | $18K |
| BROWN AND BROWN OF PA INC EIN 20-0878127 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $0 |
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 | 5,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 373 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 5,782 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,782 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.