| 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 | $131K | — | $131K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 14.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | P.O.BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 14.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | P.O. BOX 745061 ATLANTA, GA 30374 | AFLAC | $1K | — | $1K | 4.92% |
| MEGAN E VECKMAN3 | 307 E BY CEDAR CIR JUPITER, FL 33458 | AFLAC | $953 | $223 | $1K | 4.82% |
| JENNIE MOORE HAWKINS3 | 3216 MEDICI BLVD NEW SMYRNA BEACH, FL 32168 | AFLAC | $285 | $33 | $318 | 1.30% |
| JEFFREY B HAWKINS3 | 244 S WOODLAND BLVD STE B DELAND, FL 32720 | AFLAC | $232 | $33 | $265 | 1.09% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $66 | $20 | $86 | 0.35% |
| CHRISTOPHER C HAYWARD3 | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $45 | — | $45 | 0.18% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $39 | — | $39 | 0.16% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $21 | $9 | $30 | 0.12% |
| KAREN ZABAGLO3 Filed as: KAREN KRUS ZABAGLO | 1497 NW LATE PT STUART, FL 34994 | AFLAC | $27 | — | $27 | 0.11% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BA HARBOR RD TEQUESTA, FL 33469 | AFLAC | $20 | $5 | $25 | 0.10% |
| LAYMAN & ASSOC INC3 | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $23 | — | $23 | 0.09% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR APT C DELRAY BEACH, FL 33445 | AFLAC | $23 | — | $23 | 0.09% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $14 | — | $14 | 0.06% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSOM, GA 30824 | AFLAC | $8 | — | $8 | 0.03% |
| CHRISTINE VEGSO3 | 1006 RAINTREE LN PALM BEACH GARDENS, FL 33410 | AFLAC | $1 | $7 | $8 | 0.03% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $4 | — | $4 | 0.02% |
| DIANE CUNNINGHAM3 Filed as: DIANE SUSAN CUNNINGHAM | 3006 TEGA CAY CT APT 7 RIVERVIEW, FL 33578 | AFLAC | $4 | — | $4 | 0.02% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID S MORRIS3 | 950 PENINSUL CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $542 | — | $542 | 2.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $54 | — | $54 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH ST DATONA BEACH, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 MPRTJ BEACH ST DAYTONA BEACH, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $461 | — | $461 | 4.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOM BENEFIT SOLUTIONS | Insurance agents and brokers Service code 22 | — | $2K |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 143 | $2.2M |
| Dental | STANDARD INSURANCE COMPANY | 142 | $124K |
| Vision | STANDARD INSURANCE COMPANY | 284 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $78K |
| Short-term disability | STANDARD INSURANCE COMPANY | 90 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $184K |
| Other(3 contracts, 3 carriers) | AFLAC | 143 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.