| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 1720 SE 16TH AVENUE, SUITE 301 OCALA, FL 34471 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1720 SE 16TH AVENUE, SUITE 301 OCALA, FL 34471 | HEALTH OPTIONS | $5K | $0 | $5K | 5.00% |
| MICHELLE GLOWACKI3 | 569 BUCKVIEW LANE ELGIN, SC 29045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.55% |
| MICHAEL CARROLL3 | 8075 SW HIGHWAY, SUITE 200 UNIT 112 OCALA, FL 34481 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.12% |
| ANDREW WHITAKER3 | 901 RIGGINS ROAD, SUITE 511 TALLAHASSEE, FL 32308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $718 | $0 | $718 | 0.97% |
| KMS FINANCIAL GROUP LLC3 Filed as: KMS FINANCIAL GROUP, LLC | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $630 | $0 | $630 | 0.85% |
| LESLEE RAY3 Filed as: LESLEE RAY AND OTHER AGENTS | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $435 | $0 | $435 | 0.59% |
| MICHAEL MCDONALD3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | $0 | $266 | 0.36% |
| JAMIE LYNN DURRENCE3 | 7991 DAWSONS CREEK DRIVE JACKSONVILLE, FL 32222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | $0 | $239 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1720 SE 16TH AVENUE, SUITE 301 OCALA, FL 34471 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEAC, FL 32114 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1720 SE 16TH AVENUE, SUITE 301 OCALA, FL 34471 | USABLE LIFE | $1K | $0 | $1K | 11.74% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $99 | $0 | $99 | 0.92% |
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 | 144 | 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) | 144 | 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 | 79 | $731K |
| Dental | FLORIDA COMBINED LIFE | 97 | $65K |
| Vision | STANDARD INSURANCE COMPANY | 90 | $16K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 144 | $85K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 53 | $74K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 53 | $74K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 79 | $731K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 144 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.