| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC FLORIDA | 29840 NETWORK PLACE CHICAGO, IL 606791298 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $81K | — | $81K | 9.20% |
| 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 | $47K | $15K | $62K | 7.02% |
| AON CONSULTING INC3 Filed as: AON HEWITT - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $615 | — | $615 | 0.83% |
| 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 | $220 | — | $220 | 0.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.34% |
| 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 | $611 | — | $611 | 2.51% |
| MARY KEY & ASSOCIATES INC4 | 3010 WEST HAWTHORNE ROAD TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $919 | — | $919 | 14.22% |
| LEWIS E KEY4 | 3010 WEST HAWTHORNE ROAD TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | — | $27 | 0.42% |
| ANDREW P WILSON4 | 6356 ROOKERY CIRCLE BRADENTON, FL 34203 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $555 | — | $555 | 10.14% |
| 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 | $262 | — | $262 | 4.79% |
| AON CONSULTING INC3 Filed as: AON HEWITT- TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $26 | — | $26 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - DAYTONA BEACH, FL | P.O. BOX 2412 DAYTONA BEACH, FL 321152412 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $10 | — | $10 | 0.33% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 4.26% |
| 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 | $15 | — | $15 | 0.74% |
| AON CONSULTING INC3 Filed as: AON HEWITT - TAMPA, FL | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $15 | — | $15 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - DAYTONA BEACH, FL | P.O. BOX 2412 DAYTONA BEACH, FL 321152412 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $9 | — | $9 | 0.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122 | — | $122 | 13.50% |
| 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 | $14 | — | $14 | 1.55% |
| DIRECTPATH, LLC3 | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 8.43% |
| 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 | $9 | — | $9 | 1.52% |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 1,054 | $79K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 809 | $885K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 809 | $885K |
| Other(7 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 809 | $925K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.