| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | FLORIDA BLUE | $118K | $0 | $118K | 4.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $30K | $5K | $35K | 17.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $13K | $2K | $14K | 11.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $13K | $2K | $14K | 11.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 19.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $4K | $603 | $5K | 17.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $4K | $603 | $5K | 17.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | AFLAC | $2K | $0 | $2K | 8.21% |
| MEGAN E VECKMAN3 Filed as: MEGAN E. VECKMAN | 307 E BAY CEDAR CIR JUNIPER, FL 33458 | AFLAC | $1K | $55 | $1K | 4.78% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY B. HAWKINS | 3930 S NOVA ROAD STE 203B PORT ORANGE, FL 32127 | AFLAC | $427 | $10 | $437 | 1.92% |
| JENNIE MOORE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $235 | $10 | $245 | 1.08% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $86 | $0 | $86 | 0.38% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $30 | $0 | $30 | 0.13% |
| KAREN ZABAGLO3 Filed as: KAREN KRUS ZABAGLO | 2325 NW FORK RD STUART, FL 34994 | AFLAC | $29 | $0 | $29 | 0.13% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER C. HAYWARD | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $28 | $0 | $28 | 0.12% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $26 | $0 | $26 | 0.11% |
| LAYMAN & ASSOC INC3 Filed as: LAYMAN & ASSOC INC. | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $25 | $0 | $25 | 0.11% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR APT C DELRAY BEACH, FL 33445 | AFLAC | $25 | $0 | $25 | 0.11% |
| LAD FINANCIAL CORP1 Filed as: LAD FINANCIAL CORP. | 13855 EMERSON ST. APT. 204 PALM BEACH GARDENS, FL 33418 | AFLAC | $21 | $0 | $21 | 0.09% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $15 | $0 | $15 | 0.07% |
| CHRISTINE VEGSO3 | 1006 RAINTREE LN PALM BEACH GARDENS, FL 33418 | AFLAC | $13 | $0 | $13 | 0.06% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $8 | $0 | $8 | 0.04% |
| LAD FINANCIAL CORP1 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $6 | $0 | $6 | 0.03% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $5 | $0 | $5 | 0.02% |
| DIANE SUSAN MOORE3 | 8898 GALLANTREE PL LAND O LAKES, FL 34637 | AFLAC | $5 | $0 | $5 | 0.02% |
| MARCO JOE KLIMEK3 | 5729 LEBANON RD STE 144590 FRISCO, TX 75034 | AFLAC | $5 | $0 | $5 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $2 | $0 | $2 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | $0 | $1 | 0.00% |
| SUSAN P WATLEY3 | 6366 INDEPDENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $2K | $252 | $2K | 11.29% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 144 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 142 | $128K |
| Vision | STANDARD INSURANCE COMPANY | 283 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 91 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 147 | $201K |
| Other(2 contracts, 2 carriers) | AFLAC | 132 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.