| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | DELTA DENTAL INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $145 | $0 | $145 | 0.79% |
| SAMUEL R MORRIS JR3 Filed as: SAMUEL R. MORRIS, JR. | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $681 | $0 | $681 | 3.79% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 143 | $2.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 336 | $95K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 279 | $18K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 439 | $178K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 439 | $160K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 143 | $2.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 439 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.