| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | $0 | $42K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | HEALTH OPTIONS | $11K | $0 | $11K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $9K | $22K | 10.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.00% |
| LYNN MARIE BARRY3 | AND VARIOUS OTHER AGENTS 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $686 | $8K | 19.06% |
| EUGENE VILLA3 | 1918 DERBY TRAIL WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| CHRISTOPHER C HAYWARD3 | AND VARIOUS OTHER AGENTS 4921 BONSAI CIR APT 211 PALM BEACH GARDENS, FL 33418 | AFLAC | $1K | $18 | $1K | 8.74% |
| SUZANN T EUSEPI-GREEN3 | PO BOX 631 JUPITER, FL 33468 | AFLAC | $613 | $74 | $687 | 4.88% |
| TERESA LISTORT3 | 401 OLD DIXIE HWY UNIT 3001 TEQUESTA, FL 33469 | AFLAC | $202 | $17 | $219 | 1.56% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 144 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 180 | $214K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 180 | $214K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 180 | $214K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 180 | $214K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 180 | $214K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 180 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.