| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | $4K | $68K | 16.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | — | $45K | 24.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 21.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - TAMPA FLORIDA | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | EYEMED VISION CARE | $316 | — | $316 | 0.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 N FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 18.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 173086 TAMPA, FL 33602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2 | $4K | 15.09% |
| MARY KEY & ASSOCIATES INC4 Filed as: MARY KEY & ASSOCIATES INC. | 3010 WEST HAWTHORNE ROAD TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES,INC DBA LEGALSHIELD | $1K | — | $1K | 14.69% |
| LEWIS E KEY4 | 2914 WEST ALLINE AVENUE TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES,INC DBA LEGALSHIELD | $73 | — | $73 | 0.80% |
| ANDREW P WILSON4 | 6356 ROOKERY CIRCLE BRADENTON, FL 34203 | PRE-PAID LEGAL SERVICES,INC DBA LEGALSHIELD | $54 | — | $54 | 0.59% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.93% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | — | $65 | 6.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE SUITE 1600 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 2.19% |
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 | 807 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,780 | $61K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 807 | $359K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 807 | $130K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 719 | $422K |
| Other(8 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 807 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,780 | — |
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.