| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 300 NORTH BEACH STREET DAYTONA BEACH, FL 321143304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $152K | — | $152K | 6.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 13.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 12.39% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.09% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $646 | — | $646 | 2.26% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 745961 ATLANTA, GA 30374 | AFLAC | $659 | — | $659 | 3.36% |
| MEGAN E VECKMAN3 | 3763 SIENA CIR WELLINGTON, FL 33414 | AFLAC | $547 | $50 | $597 | 3.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INC | PO BOX 745961 ATLANTA, GA 30374 | AFLAC | $326 | — | $326 | 1.66% |
| JEFFREY B HAWKINS3 | 3930 S NOVA RD STE 203B PORT ORANGE, FL 32127 | AFLAC | $218 | $12 | $230 | 1.17% |
| JENNIE MOORE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $162 | — | $162 | 0.83% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $86 | — | $86 | 0.44% |
| KAREN ZABAGLO3 Filed as: KAREN KRUS ZABAGLO | PO BOX 2029 HOBE SOUND, FL 33475 | AFLAC | $29 | — | $29 | 0.15% |
| L A D FINANCIAL CORP3 | 13855 EMERSON ST APT 204 PALM BEACH GARDENS, FL 33418 | AFLAC | $27 | — | $27 | 0.14% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $26 | — | $26 | 0.13% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR APT C DELRAY BEACH, FL 33445 | AFLAC | $25 | — | $25 | 0.13% |
| LAYMAN & ASSOC INC3 | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $25 | — | $25 | 0.13% |
| SUWAT ASSAWAMATIYANONT3 | 7294 PANACHE WAY BOCA RATON, FL 33433 | AFLAC | $18 | — | $18 | 0.09% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $15 | — | $15 | 0.08% |
| CHRISTINE VEGSO3 | 1006 RAINTREE LN PALM BEACH GARDENS, FL 33410 | AFLAC | $13 | — | $13 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $8 | — | $8 | 0.04% |
| MARCO JOE KLIMEK3 | 5729 LEBANON RD STE 144590 FRISCO, TX 75034 | AFLAC | $5 | — | $5 | 0.03% |
| DIANE SUSAN MOORE3 | 8898 GALLANTREE PL LAND O LAKES, FL 34637 | AFLAC | $5 | — | $5 | 0.03% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $5 | — | $5 | 0.03% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $243 | — | $243 | 1.31% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 141 | $2.5M |
| Dental | STANDARD INSURANCE COMPANY | 140 | $136K |
| Vision | STANDARD INSURANCE COMPANY | 279 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $149K |
| Short-term disability | STANDARD INSURANCE COMPANY | 93 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $214K |
| Other(2 contracts, 2 carriers) | AFLAC | 114 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.