| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | BLUE CROSS BLUE SHIELD OF FLORIDA | $137K | — | $137K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1661 WORTHINGTON AVE STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1661 WORTHINGTON AVE STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1661 WORTHINGTON AVE STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | PO BOX 745061 ATLANTA, GA 30374 | AFLAC | $803 | — | $803 | 4.60% |
| MEGAN E VECKMAN3 | 307 E BAY CEDAR CIR JUPITER, FL 33458 | AFLAC | $385 | — | $385 | 2.20% |
| JENNIE MOORE HAWKINS1 | 4215 S RIDGEWOOD AVE STE 104 PORT ORANGE, FL 32127 | AFLAC | $190 | — | $190 | 1.09% |
| JEFFREY B HAWKINS1 | PO BOX 730382 ORMOND BEACH, FL 32173 | AFLAC | $155 | — | $155 | 0.89% |
| M PEARSON ASSOCIATES CORP3 | 1 BAY HARBOR RD TAQUESTA, FL 33469 | AFLAC | $79 | — | $79 | 0.45% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $30 | — | $30 | 0.17% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER C HAWYARD | 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $29 | — | $29 | 0.17% |
| L A D FINANCIAL CORP1 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $25 | — | $25 | 0.14% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR RD TAQUESTA, FL 33469 | AFLAC | $24 | — | $24 | 0.14% |
| LAYMAN & ASSOC INC3 Filed as: LAYMAN AND ASSOC INC | 2110 MARK DR LAKE WORTH, FL 33461 | AFLAC | $23 | — | $23 | 0.13% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $14 | — | $14 | 0.08% |
| CHRISTINE VEGSO3 | 1006 RAINTREE LN PALM BEACH GARDENS, FL 33410 | AFLAC | $12 | — | $12 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $8 | — | $8 | 0.05% |
| MARCO JOE KLIMEK3 | 5729 LEBANON RD STE 144590 FRISCO, TX 75034 | AFLAC | $5 | — | $5 | 0.03% |
| DIANE SUSAN MOORE3 | 23701 SILVER DATE LOOP APT 105 LAND O LAKES, FL 34639 | AFLAC | $5 | — | $5 | 0.03% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $4 | — | $4 | 0.02% |
| K AND A BENEFITS LLC3 | 3003 SAN CLARA DR APT C DELRAY BEACH, FL 33445 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $1 | — | $1 | 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 AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1661 WORTHINGTON AVE STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 1661 WORTHINGTON AVE STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $813 | — | $813 | 8.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | BROWN AND BROWN OF FLORIDA INC 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $658 | — | $658 | 21.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | BROWN AND BROWN OF FLORIDA INC 300 NORTH BEACH ST DAYTONA BEACH, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 15.01% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 145 | $2.3M |
| Dental | STANDARD INSURANCE COMPANY | 150 | $66K |
| Vision | STANDARD INSURANCE COMPANY | 297 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $36K |
| Short-term disability | STANDARD INSURANCE COMPANY | 91 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 149 | $89K |
| Other(5 contracts, 4 carriers) | AFLAC | 144 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.