| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 173086 TAMPA, FL 33673 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $89K | $91K | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 10.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33807 | UNION SECURITY INSURANCE COMPANY | $2K | $65 | $2K | 10.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STEET SUITE 1900 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 22.71% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.87% |
| SARA BENJAMIN3 | 3116 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $908 | — | $908 | 5.46% |
| PUZZEL SOLVED INC3 | PO BOX 2853 OCALA, FL 34478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $749 | — | $749 | 14.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $87 | $87 | 1.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33607 | UNITED DENTAL CARE OF TEXAS, INC | $51 | — | $51 | 9.92% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $1.7M |
| Dental(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $284K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $1.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $264K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $264K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $264K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.