| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | 83 PARK PLACE BLVD SUITE 101 CLEARWATER, FL 33759 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $67K | $67K | 3.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS PARK) | 83 PARK PLACE BLVD SUITE 101 CLEARWATER, FL 33759 | CIGNA HEALTH AND LIFE INSURANCE CO | $8K | $678 | $8K | 10.74% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN (PINELLAS PARK) | 83 PARK PLACE BLVD SUITE101 CLEARWATER, FL 33759 | CIGNA DENTAL HEALTH OF FLORIDA INC. | $3K | — | $3K | 10.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $7 | $7 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN (PINELLAS PARK) | 83 PARK PLACE BLVD SUITE 101 CLEARWATER, FL 33759 | CIGNA HEALTHCARE OF CONNECTICUT | $2 | — | $2 | 8.00% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 213 | $2.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 212 | $105K |
| Vision | EYE MED | 220 | $18K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 243 | $26K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 54 | $31K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 243 | $59K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 243 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.