| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FT. LAUDERDALE, FL 33310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $153K | $153K | 5.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 333105727 | METLIFE | $12K | $2K | $14K | 12.46% |
| JEFF D HACKMEIER & ASSOCIATES3 | 12000 BISCAYNE BLVD, STE 506 NORTH MIAMI, FL 33181 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $700 | $6K | 6.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $1K | $15K | 16.59% |
| JEFF D HACKMEIER & ASSOCIATES3 | 12000 BISCAYNE BLVD, STE 506 NORTH MIAMI, FL 33181 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $350 | $5K | 10.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 333105727 | SAFEGUARD DENTAL & VISION | $3K | $361 | $3K | 12.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | $18 | $191 | 16.55% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 307 | $3.0M |
| Dental(2 contracts, 2 carriers) | METLIFE | 370 | $135K |
| Vision | METLIFE | 370 | $112K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 353 | $88K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $140K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 353 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.