| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 12485 28TH STREET NORTH, 2ND FLOOR SAINT PETERSBURG, FL 33716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | $0 | $33K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 12485 28TH STREET NORTH, 2ND FLOOR SAINT PETERSBURG, FL 33716 | HEALTH OPTIONS | $19K | $0 | $19K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 18.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $4K | $645 | $5K | 12.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 21.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | COMPBENEFITS COMPANY | $276 | $82 | $358 | 14.78% |
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 | 94 | 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) | 94 | 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 | 51 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 73 | $43K |
| Vision | HUMANA INSURANCE COMPANY | 73 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $75K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.