| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS SAUNDERS | 3520 THOMASVILLE RD TALLAHASSEE, FL 323093435 | CAPITAL HEALTH PLAN | $18K | — | $18K | 1.98% |
| DOUGLAS SAUNDERS | 3520 THOMASVILLE RD TALLAHASSEE, FL 323093435 | CAPITAL HEALTH PLAN | $12K | — | $12K | 1.95% |
| DOUGLAS SAUNDERS | 3520 THOMASVILLE RD TALLAHASSEE, FL 323093435 | CAPITAL HEALTH PLAN | $11K | — | $11K | 1.98% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA, INC | 3520 THOMASVILLE RD, SUITE 500 TALLAHASSEE, FL 32309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 18.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD, SUITE 130 FORT LAUDERDALE, FL 33309 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 6.92% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INSURANCE SERVICES | 1605 CONCENTRIC BLVD, STE 2 SAGINAW, MI 48604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 3520 THOMASVILLE RD, SUITE 500 TALLAHASSEE, FL 32309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 3520 THOMASVILLE RD, SUITE 500 TALLAHASSEE, FL 32309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.21% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA, INC | 3520 THOMASVILLE RD, SUITE 500 TALLAHASSEE, FL 32309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3520 THOMASVILLE RD, STE 500 TALLAHASSEE, FL 323093435 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 3520 THOMASVILLE RD, SUITE 500 TALLAHASSEE, FL 32309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $382 | — | $382 | 19.98% |
| MGIS3 | 111 SOUTH MAIN STREET SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 2 | $27K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $216K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $216K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $42K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $30K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $220K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.