| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASIVILLE RD STE 500 TALLAHASSEE, FL 323093435 | USABLE LIFE | $3K | — | $3K | 2.11% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | USABLE LIFE | $284 | $34 | $318 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSU8RANCE SERVICES | PO BOX 491636 LEESBURG, FL 34749 | GUARDIAN | $8K | $2K | $10K | 11.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | GUARDIAN | $2K | — | $2K | 2.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1300 CITIZENS BLVD STE 100 LEESBURG, FL 347483969 | FLORIDA COMBINED LIFE | $5K | — | $5K | 6.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BLVD LEESBURG, FL 347483923 | FLORIDA COMBINED LIFE | $1K | — | $1K | 1.82% |
| FLORIDA BLUE3 | 4800 DEEWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $357 | — | $357 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BLVD LEEABURG, FL 347483923 | FLORIDA COMBINED LIFE | $1K | — | $1K | 10.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1300 CITIZENS BLVD STE 100 LEESBURG, FL 347483969 | FLORIDA COMBINED LIFE | $671 | — | $671 | 4.94% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $357 | — | $357 | 2.63% |
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 | 562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 197 | $90K |
| Vision | GUARDIAN | 268 | $80K |
| Life insurance | USABLE LIFE | 562 | $152K |
| Short-term disability | USABLE LIFE | 562 | $152K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 562 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.