| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE RD, STE 500 TALLAHASSEE, FL 323093435 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 4.50% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD, SUITE 130 FORT LAUDERDALE, FL 33309 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $7K | $15K | 8.94% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD, SUITE 130 FORT LAUDERDALE, FL 33309 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $161 | — | $161 | 0.10% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| FINANCIAL PARTNERS OF NORTH FLORIDA3 | 2580 CARE DRIVE, SUITE ONE TALLAHASSEE, FL 32308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $176 | — | $176 | 15.02% |
| MGIS3 | 111 SOUTH MAIN STREET SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 14.08% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $166K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $166K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $26K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $23K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $190K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.