| 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 | $11K | $30K | $41K | 2.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98K | — | $98K | 14.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | — | $63K | 12.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | — | $79K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 9.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $10K | — | $10K | 9.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC | $866 | — | $866 | 10.05% |
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 | 4,315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,369 | 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 | 4,232 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,227 | $683K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,759 | $487K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,975 | $324K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,232 | $2.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,232 | $3.9M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,243 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,243 | — |
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 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.