| 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 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $119K | — | $119K | 4.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 595 STEWART AVE STE 700 STE 215 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INSURANCE SERVICES, | 17010 DRISCOLL ST NW RAMSEY, MN 55303 | RELIASTAR LIFE INSURANCE COMPANY | — | $38K | $38K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 14.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $284 | — | $284 | 5.00% |
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 | 2,533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 1,100 | $5.5M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,533 | $2.9M |
| Vision | STANDARD INSURANCE COMPANY | 2,533 | $2.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,533 | $2.7M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,533 | $2.9M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,558 | $767K |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,533 | — |
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.