| 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 | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TERRACE DORAL, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 17.79% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 14.82% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVE APT 103 MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $212 | $2K | 5.70% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $778 | $2K | 5.69% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR APT 203 DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $207 | $1K | 3.80% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $726 | $390 | $1K | 3.23% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TER MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $752 | $83 | $835 | 2.42% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $318 | $579 | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 18.05% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 15.11% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $3K | $3K | 10.19% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $2K | $2K | 7.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.00% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 46 | $282K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 42 | $21K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 42 | $21K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 66 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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.