| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 1300 CITIZENS BOULEVARD, SUITE 100 LEESBURG, FL 34748 | USABLE LIFE | $18K | $0 | $18K | 12.80% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $0 | $1K | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 491636 LEESBURG, FL 34749 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 16.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1300 CITIZENS BOULEVARD, SUITE 100 LEESBURG, FL 34748 | FLORIDA COMBINED LIFE | $10K | $0 | $10K | 13.54% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 154 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $141K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 536 | $283K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 536 | $283K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 536 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.