| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 1300 CITIZENS BOULEVARD, SUITE 100 LEESBURG, FL 34748 | HEALTH OPTIONS | $71K | — | $71K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1300 CITIZENS BOULEVARD, SUITE 100 LEESBURG, FL 34748 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6611 ORION DR STE 201 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 12.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 6611 ORION DR STE 201 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6611 ORION DR STE 201 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $5K | $589 | $6K | 13.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 6611 ORION DR STE 201 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | STANDARD INSURANCE COMPANY | — | $821 | $821 | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $677 | — | $677 | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6611 ORION DR STE 201 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $1K | $244 | $1K | 8.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $295 | — | $295 | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 817 BEACHLAND BLVD VERO BEACH, FL 32963 | STANDARD INSURANCE COMPANY | — | $279 | $279 | 1.67% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 129 | $2.6M |
| Dental | STANDARD INSURANCE COMPANY | 163 | $83K |
| Vision | STANDARD INSURANCE COMPANY | 157 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 244 | $42K |
| Short-term disability | STANDARD INSURANCE COMPANY | 244 | $146K |
| Long-term disability | STANDARD INSURANCE COMPANY | 44 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $829K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.