| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC. | $113K | — | $113K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 9.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $63 | $4K | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745897 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745897 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 1.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 173086 TAMPA, FL 33672 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $629 | $629 | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $187 | $187 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | HEALTHIEST YOU | $3K | — | $3K | 25.00% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 220 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 335 | $140K |
| Short-term disability | STANDARD INSURANCE COMPANY | 335 | $140K |
| Long-term disability | STANDARD INSURANCE COMPANY | 335 | $140K |
| Prescription drug | HEALTH OPTIONS, INC. | 220 | $2.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 335 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.