| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 14900 NW 79TH COURT STE 200 MIAMI, FL 33016 | AVMED | $17K | — | $17K | 5.92% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN - DORAL | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE INC | $5K | — | $5K | 15.90% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE INC | $2K | — | $2K | 7.02% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE INC | $2K | — | $2K | 6.37% |
| IMPACT INTERACTIVE LLC5 | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE INC | $538 | — | $538 | 1.83% |
| EXCELSIOR BENEFITS LLC5 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE INC | $389 | — | $389 | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $64 | $64 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1780 N. KROME AVE. HOMESTEAD, FL 33030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.46% |
| BAYVIEW BENEFITS LLC3 | 7920 SW. 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $911 | — | $911 | 5.74% |
| PRESTIGE WORLDWIDE 09 LLC3 | 7920 SW. 79TH TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | — | $273 | 1.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1780 N KROME AVE HOMESTEAD, FL 33030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $732 | — | $732 | 6.69% |
| BAYVIEW BENEFITS LLC3 | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $612 | — | $612 | 5.59% |
| PRESTIGE WORLDWIDE 09 LLC3 | 7920 SW 79TH TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 1.12% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1780 NORTH KROME AVE. HOMESTEAD, FL 33030 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $378 | — | $378 | 7.76% |
| BAYVIEW BENEFITS LLC3 Filed as: BAYVIEW BENEFITS, LLC | 7920 SW 79 TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $312 | — | $312 | 6.41% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.80% |
| PRESTIGE WORLDWIDE 09 LLC3 | 7920 SW 79TH TERRACE MIAMI, FL 33143 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.47% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 52 | $287K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 44 | $23K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 44 | $23K |
| Other(4 contracts, 2 carriers) | TRANSAMERICA INSURANCE INC | 49 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.