| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC. | $91K | — | $91K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 13.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | — | $4K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $399 | $399 | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 0151 DEERWOOD PARK BOULEVARD JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $22 | $1K | 5.80% |
| BAILEA MCNIEL3 | 3591 KERNAN BOULEVARD SOUTH APARTMENT 313 JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $83 | $1K | 5.52% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $103 | $624 | 2.70% |
| NALI LLC3 | 2060 CAPISTRANO DRIVE JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $361 | $507 | 2.19% |
| ANGELA MLYNARSKI3 | 124 RIVERWALK BOULEVARD ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $98 | $181 | 0.78% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $27 | $158 | 0.68% |
| TANYA MIRIAM KAKON3 | 98 ABALONE LANE EAST PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.37% |
| RANDALL HALLMAN3 | 2632 LOOPRIDGE DRIVE ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.23% |
| CAPITAL ANALYSTS OF JACKSONVILLE FL3 | 8160 BAYMEADOWS WAY WEST JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| NOEL PERRY CLARK3 | 7777 NORMANDY BOULEVARD APARTMENT 101 JACKSONVILLE, FL 32221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.17% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE SOUTH SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.13% |
| VANESSA MARIE MARVIN3 | 2985 SANS PAREIL STREET JACKSONVILLE, FL 32246 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.10% |
| VICKI LYNN BARKLEY3 | 1272 NORTHWEST 52ND WAY DEERFIELD BEACH, FL 33442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| DOROTHY RING3 | 8300 PLAZA GATE LANE JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| HEATHER WOMBLE LLC3 | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $13 | $19 | 0.08% |
| STALTARE BENEFITS INC3 | 1172 SOUTHEAST 3RD TERRACE DEERFIELD BEACH, FL 33441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| ESTATE OF DIANNA L. CHAMBERS3 | 22252 SANDRA LANE MCCALLA, AL 35111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| STEVEN JAMES FELL3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.03% |
| VB SOLUTIONS LLC3 | 7111 NORTHEAST 222ND STREET MELROSE, FL 32666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD ROAD FRANKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ALLISON JAMIE TAMARES3 | 9041 COUNTRY MILL LANE JACKSONVILLE, FL 32222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KATHLEEN KAM3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | HEALTHIEST YOU | $910 | — | $910 | 14.99% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 211 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $217K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 175 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $175K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $175K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $175K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.