| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LAKE LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $3K | $47K | 14.49% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.95% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | ALLSTATE WORKPLACE DIVISION | $3K | — | $3K | 6.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | ALLSTATE WORKPLACE DIVISION | $3K | — | $3K | 6.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.51% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| SARA BENJAMIN3 | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $551 | — | $551 | 1.51% |
| VICTOR DIAZ3 Filed as: VICTOR G DIAZ | 10422 NIGHTENGALE DRIVE RIVERVIEW, FL 33569 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.39% |
| ROBERT BURR3 Filed as: ROBERT LOUIS BURR | 3100 MISSION GROVE DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $925 | — | $925 | 7.62% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3318 GULF TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $700 | — | $700 | 5.76% |
| ROBERT BURR3 Filed as: ROBERT LOUIS BURR | 3100 MISSION GROVE DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 1.38% |
| SARA BENJAMIN3 | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.62% |
| VICTOR DIAZ3 Filed as: VICTOR G DIAZ | 10422 NIGHTENGALE DRIVE RIVERVIEW, FL 33569 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $844 | — | $844 | 8.44% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULT TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $709 | — | $709 | 7.09% |
| SARA BENJAMIN3 | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 1.45% |
| PUZZLE SOLVED, INC3 | PO BOX 2853 OCALA, FL 34478 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 9.23% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | — | $197 | 8.79% |
| VICTOR DIAZ3 Filed as: VICTOR G DIAZ | 10422 NIGHTENGALE DRIVE RIVERVIEW, FL 33569 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.71% |
| SARA BENJAMIN3 | 3118 GULF TO BAY BOULEVARD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.45% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $321K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $321K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $321K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $321K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $321K |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.