| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $16K | $28K | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $106K | $5K | $111K | 11.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $4K | $52K | 9.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87K | — | $87K | 16.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $3K | $33K | 8.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $11K | — | $11K | 9.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $502 | $9K | 11.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC | $789 | — | $789 | 9.41% |
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 | 4,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,032 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,227 | $937K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,759 | $573K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,975 | $384K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,032 | $3.4M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,062 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,062 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.