| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | — | $38K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | HEALTH OPTIONS, INC | $6K | — | $6K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | FLORIDA COMBINED LIFE | $3K | — | $3K | 4.21% |
| FLORIDA BLUE3 Filed as: ACOSTA, JOSEPH FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $232 | — | $232 | 0.37% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD SUITE 511 TALLAHASSEE, FL 32308 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $411 | — | $411 | 1.69% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $358 | — | $358 | 1.47% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $202 | — | $202 | 0.83% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.75% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $116 | — | $116 | 0.48% |
| DURRENCE JANIE LYNN3 | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.41% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $96 | — | $96 | 0.39% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | STANDARD INSURANCE COMPANY | $944 | — | $944 | 6.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | USABLE LIFE | $1K | — | $1K | 10.35% |
| FLORIDA BLUE3 Filed as: ACOSTA, JOSEPH FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $95 | — | $95 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1720 SOUTHEAST 16TH AVENUE SUITE 301 OCALA, FL 34471 | USABLE LIFE | $1K | — | $1K | 10.35% |
| FLORIDA BLUE3 Filed as: ACOSTA. JOSEPH FORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $95 | — | $95 | 0.87% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD SUITE 511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.87% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.41% |
| RAY DESTINY3 Filed as: RAY LESLEE | 280 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.32% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.30% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.27% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $413 | — | $413 | 6.04% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | — | $197 | 2.88% |
| ANDREW WHITAKER3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 2.24% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 1.71% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 1.01% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.85% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.73% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.22% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $386 | — | $386 | 7.34% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $226 | — | $226 | 4.30% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD SUITE 511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 2.66% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 2.11% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 1.03% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.34% |
| RAY DESTINY3 | 2820 ADMIRALS WALK ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.25% |
| KMS FINANCIAL GROUP LLC3 | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 3.34% |
| MCDONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 2.09% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD SUITE 511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 2.04% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OSCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 1.46% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.41% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.37% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.35% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.20% |
| KMS FINANCIAL GROUP LLC3 | 57 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $225 | — | $225 | 5.78% |
| MCONALD MICHAEL3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | — | $161 | 4.14% |
| CAROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 2.85% |
| ANDREW WHITAKER3 | 901 RIGGINS ROAD #511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 1.21% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE ARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.85% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.28% |
| DURRENCE RYAN C3 Filed as: DURRENCE JAMIE LYNN | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.26% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| WHITAKER ANDREW3 | 901 RIGGINS ROAD SUITE 511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 3.07% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.47% |
| DURRENCE RYAN C3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.26% |
| CARROLL MICHAEL3 | 8075 SOUTHWEST HIGHWAY 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.84% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.77% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 82 | $877K |
| Dental | FLORIDA COMBINED LIFE | 96 | $63K |
| Vision | STANDARD INSURANCE COMPANY | 87 | $14K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 149 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 82 | $877K |
| Other(9 contracts, 3 carriers) | AMERICAN HERITGE LIFE INSURANCE COMPANY | 149 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.