| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N. BEACH ST DAYTONA BEACH, FL 32114 | TRULI | $6K | — | $6K | 1.22% |
| BELLUS INSURANCE SERVICES3 Filed as: BELLUS INSURANCE SERVICES, INC. | PO BOX 1820 WINTER PARK, FL 32790 | TRULI | $5K | — | $5K | 1.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | TRULI | $3K | — | $3K | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 1.25% |
| BELLUS INSURANCE SERVICES3 Filed as: BELLUS INSURANCE SERVICES, INC. | PO BOX 1820 WINTER PARK, FL 32790 | BLUE CROSS BLUE SHIELD OF FLORIDA | $808 | — | $808 | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | BLUE CROSS BLUE SHIELD OF FLORIDA | $606 | — | $606 | 0.75% |
| BELLUS INSURANCE SERVICES3 | PO BOX 1820 WINTER PARK, FL 32790 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $608 | $3K | 4.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | GUARDIAN LIFE INSURANCE COMPANY | $890 | $192 | $1K | 1.39% |
| BELLUS INSURANCE SERVICES3 Filed as: BELLUS INSURANCE SERVICES, INC. | PO BOX 1820 WINTER PARK, FL 32790 | HEALTH OPTIONS, INC. | $406 | — | $406 | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N. BEACH ST DAYTONA BEACH, FL 32114 | HEALTH OPTIONS, INC. | $385 | — | $385 | 1.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | HEALTH OPTIONS, INC. | $214 | — | $214 | 0.64% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRULI | 45 | $567K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 120 | $78K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 120 | $78K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 120 | $78K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 120 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 3 | $81K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 120 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.