| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | HEALTH OPTIONS, INC | $21K | — | $21K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | FLORIDA COMBINED LIFE | $9K | — | $9K | 12.84% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 3939 TAMPA RD OLDSMAR, FL 346773104 | FLORIDA COMBINED LIFE | $992 | — | $992 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | FLORIDA COMBINED LIFE | $4K | — | $4K | 5.32% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $1K | — | $1K | 20.46% |
| BENEFITS TECH LLC DIVISION 33 | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 33431 | USABLE LIFE | $1K | — | $1K | 18.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FLORIDA- JACKSONVILLE | 10151 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32258 | USABLE LIFE | $991 | — | $991 | 16.62% |
| FLORIDA BLUE3 Filed as: BCBS OF FLORIDA INC | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | USABLE LIFE | $169 | — | $169 | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | DAYTONA BEACH 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | ADVANTICA INSURANCE COMPANY | $752 | — | $752 | 14.33% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $1K | — | $1K | 24.68% |
| BENEFITS TECH LLC DIVISION 33 | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 33431 | USABLE LIFE | $975 | — | $975 | 21.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FLORIDA- JACKSONVILLE | 10151 DEERWOOD PARK BLVD B100 S100 JACKSONVILLE, FL 32258 | USABLE LIFE | $897 | — | $897 | 19.82% |
| FLORIDA BLUE3 Filed as: BCBS FLORIDA | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | USABLE LIFE | $132 | — | $132 | 2.92% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 59 | $546K |
| Dental | FLORIDA COMBINED LIFE | 126 | $66K |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 215 | $6K |
| Life insurance | FLORIDA COMBINED LIFE | 155 | $69K |
| Short-term disability | FLORIDA COMBINED LIFE | 155 | $69K |
| Long-term disability | FLORIDA COMBINED LIFE | 155 | $69K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 59 | $546K |
| Other(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 155 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.