| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $100K | — | $100K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 12.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 12.33% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 334106563 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74 | $74 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 SUITE 1000 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $406 | $5K | 16.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $223 | $3K | 16.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC - DAYTONA B | 220 S RIDGEWOOD AVE PO BOX 2412 DAYTONA BEACH, FL 32115 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 334106563 | HUMANA INSURANCE COMPANY | -$11 | — | -$11 | -0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | AMERICAN HERITAGE LIFE INSURACE COMPANY | $928 | — | $928 | 9.30% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | AMERICAN HERITAGE LIFE INSURACE COMPANY | $796 | — | $796 | 7.97% |
| CELEDINAS INSURANCE GROUP3 Filed as: THE CELEDINAS AGENCY INC | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 33410 | AMERICAN HERITAGE LIFE INSURACE COMPANY | $291 | — | $291 | 2.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.96% |
| INSGROUP INC3 Filed as: CELEDINAS INSURANCE GROUP, A M | 4400 PGA BLVD SUITE 1000 PALM BEACH GARDENS, FL 33410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.02% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $111K |
| Vision | HUMANA INSURANCE COMPANY | 124 | $12K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 129 | $164K |
| Short-term disability | STANDARD INSURANCE COMPANY | 129 | $132K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 129 | $164K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $1.7M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.