| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 240 S PINEAPPLE AVE, STE 301 SARASOTA, FL 342363707 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $31 | $2K | 11.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | P.O. BOX 2412 DAYTONA BEACH, FL 321152412 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $268 | $268 | 2.03% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS & PLANNING, INC. | P.O. BOX 1079 SARASOTA, FL 342301079 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $170 | $3K | 21.35% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS & PLANNING, INC. | P.O. BOX 1079 SARASOTA, FL 342301079 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $576 | $73 | $649 | 14.34% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 27267 MINNEAPOLIS, MN 554270267 | $169K |
| ENVISIONRX EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | 2181 E. AURORA RD., SUITE 201 TWINSBURG, OH 44087 | $7K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $14K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1 | $300 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $13K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.