| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOAN ADVISORY GROUP, INC.3 | 25613 HAWKS RUN LANE SORRENTO, FL 32776 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $34K | $34K | 1.24% |
| INSURANCE CONSULTANTS OF CENTRAL FL3 | 1331 PALMETTO AVE, SUITE 100 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $34K | $34K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL (MAITLAND) | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $14K | $14K | 0.51% |
| INSURANCE CONSULTANTS OF CENTRAL FL3 | 1331 PALMETTO AVE, STE 100 WINTER PARK, FL 32789 | METROPOLITIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.74% |
| DOAN ADVISORY GROUP, INC.3 Filed as: DOAN TAX ADVISORY GROUP INC | 31801 HALFWAY CT SORRENTO, FL 32776 | METROPOLITIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY, STE 400 MAITLAND, FL 32751 | METROPOLITIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $469 | $469 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $381 | $381 | 0.11% |
| INSURANCE CONSULTANTS OF CENTRAL FL3 | SUITE 100 1331 PALMETTO AVENUE WINTER PARK, FL 32789 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 11.04% |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 437 | $2.8M |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 499 | $341K |
| Vision | HUMANA INSURANCE COMPANY | 270 | $20K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 499 | $341K |
| Short-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 499 | $341K |
| Long-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 499 | $341K |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 499 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.