| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N BEACH ST DAYTON BEACH, FL 321143304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $137K | — | $137K | 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 | 15.00% |
| 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 | $5K | — | $5K | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 10.80% |
| 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 | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| 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 | 2.26% |
| 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 | 15.00% |
| 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 | $579 | — | $579 | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 745061 ATLANTA, GA 30374 | AFLAC | $923 | — | $923 | 4.07% |
| MEGAN E VECKMAN3 Filed as: MEGAN VECKMAN | 307 E BAY CEDAR CIR JUPITER, FL 33458 | AFLAC | $768 | $47 | $815 | 3.60% |
| JENNIE HAWKINS3 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $219 | $11 | $230 | 1.01% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY HAWKINS | PO BOX 730382 ORMOND BEACH, FL 32173 | AFLAC | $184 | $11 | $195 | 0.86% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $79 | — | $79 | 0.35% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER HAYWARD | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $44 | — | $44 | 0.19% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $38 | — | $38 | 0.17% |
| KAREN ZABAGLO3 | PO BOX 2029 HOBE SOUND, FL 33475 | AFLAC | $27 | — | $27 | 0.12% |
| LAD FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $25 | — | $25 | 0.11% |
| MARGARET PEARSON3 | 1 BAY HARBOR RD TEQUESTA, FL 33469 | AFLAC | $24 | — | $24 | 0.11% |
| LAYMAN & ASSOC INC3 | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $23 | — | $23 | 0.10% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR APT C DELRAY BEACH, FL 33445 | AFLAC | $23 | — | $23 | 0.10% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $14 | — | $14 | 0.06% |
| CHRISTINE VEGSO3 | 1006 RAINTREE LN PALM BEACH GARDENS, FL 33410 | AFLAC | $12 | — | $12 | 0.05% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $8 | — | $8 | 0.04% |
| DIANE MOORE3 | 23701 SILVER DATE LOOP APT 105 LAND O LAKES, FL 34639 | AFLAC | $5 | — | $5 | 0.02% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $5 | — | $5 | 0.02% |
| DEXTER ANTONIO HARRIS3 Filed as: DEXTER HARRIS | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIR STE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS R BAILEY3 Filed as: THOMAS BAILEY | 142 MAPLE CT NW CHARLESTON, TN 37310 | 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 | $2K | — | $2K | 10.77% |
| 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 | $225 | — | $225 | 1.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH ST DAYTONA, FL 32114 | UNUM LIFE INSURANCE OF AMERICA | $1K | — | $1K | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 NORTH BEACH ST DAYTONA, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $475 | — | $475 | 15.99% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 148 | $2.3M |
| Dental | STANDARD INSURANCE COMPANY | 151 | $131K |
| Vision | STANDARD INSURANCE COMPANY | 300 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $83K |
| Short-term disability | STANDARD INSURANCE COMPANY | 96 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $179K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 152 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.