| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SE 16TH AVE STE 301 OCALA, FL 344714620 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 6.09% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SE 16TH AVE STE 301 OCALA, FL 344714620 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 11.56% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 334421723 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREED RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.28% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SO RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 0.14% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $790 | — | $790 | 9.00% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $778 | — | $778 | 8.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1720 SE 16TH AVE SUITE 301 OCALA, FL 34471 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $534 | — | $534 | 6.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1720 SE 16TH AVE SUITE 301 OCALA, FL 34471 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $465 | — | $465 | 8.30% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $376 | — | $376 | 6.71% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 8.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1720 SE 16TH AVE SUITE 301 OCALA, FL 34471 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $315 | — | $315 | 6.68% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | — | $245 | 8.46% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $172 | — | $172 | 7.35% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 92 | $690K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $56K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $70K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $7K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16 | $12K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 92 | $690K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.