| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 240 S PINEAPPLE AVE SARASOTA, FL 34236 | AETNA | $14K | — | $14K | 9.94% |
| 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 | $18K | — | $18K | 13.75% |
| JEFF D HACKMEIER & ASSOCIATES3 | 1111 KANE CONCOURSE SUITE 502 BAY HARBOR, FL 33154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.58% |
| JEFF D HACKMEIER & ASSOCIATES3 | 1111 KANE CONCOURSE SUITE 502 BAY HARBOR, FL 33154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.71% |
| FRIEDMAN, KENNETH H3 | 16499 NE 19TH AVE SUITE 100 N MIAMI BEACH, FL 33162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD FT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 15.13% |
| 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 | $178 | — | $178 | 13.78% |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 502 | $139K |
| Vision | HUMANA INSURANCE COMPANY | 244 | $34K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $130K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $173K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.