| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | STANDARD INSURANCE COMPANY | $72K | — | $72K | 3.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 333 EARLE OVINGTON BLVD STE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | $6K | $82K | 10.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE #5 DAYTONA BEACH, FL 32114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $989 | — | $989 | 9.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32114 | HARTFORD LIFE AND ACCIDENT | $149 | — | $149 | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | HARTFORD LIFE AND ACCIDENT | — | $4 | $4 | 0.27% |
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 | 2,381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 2,381 | $2.4M |
| Vision | STANDARD INSURANCE COMPANY | 2,381 | $2.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,381 | $2.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 8 | $1K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,381 | $2.4M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,423 | $762K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,381 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.