| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $107K | — | $107K | 15.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | P.O. BOX 2412 DAYTONA BEACH, FL 32115 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $903 | — | $903 | 1.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE #500 DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $437 | $13K | 18.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $79 | $1K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDEGEWOOD AVENUE #500 DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $270 | $9K | 19.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $623 | $38 | $661 | 1.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN CORPORATION | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.93% |
| MARY KEY & ASSOCIATES INC4 | 3010 WEST HAWTHORNE ROAD TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 16.39% |
| LEWIS E KEY4 | 3010 WEST HAWTHORNE ROAD TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $58 | — | $58 | 0.69% |
| ANDREW P WILSON4 | 6356 ROOKERY CIRCLE BRADENTON, FL 34203 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.27% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.87% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 9.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 1.83% |
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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 1,792 | $83K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 808 | $667K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 808 | $667K |
| Other(8 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 856 | $843K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,792 | — |
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.