| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWAY AVE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | — | $43K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWAY AVE DAYTONA BEACH, FL 32114 | HEALTH OPTIONS, INC. | $14K | — | $14K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 300 N. BEACH STREET DAYTONA BEACH, FL 32114 | USABLE LIFE | $10K | — | $10K | 13.04% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $787 | — | $787 | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N. BEACH STREET DAYTONA BEACH, FL 32114 | FLORIDA COMBINED LIFE | $3K | — | $3K | 5.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $876 | — | $876 | 10.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $65 | — | $65 | 2.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FLORIDA- JACKSONVILLE | 10151 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32258 | USABLE LIFE | $28 | — | $28 | 0.92% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | USABLE LIFE | $206 | — | $206 | 7.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FLORIDA- JACKSONVILLE | 10151 DEERWOOD PARK BLVD B100 S100 JACKSONVILLE, FL 32258 | USABLE LIFE | $88 | — | $88 | 3.07% |
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 | 158 | 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) | 158 | 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 | 82 | $950K |
| Dental | FLORIDA COMBINED LIFE | 116 | $55K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 127 | $9K |
| Life insurance | USABLE LIFE | 156 | $78K |
| Short-term disability | USABLE LIFE | 156 | $78K |
| Long-term disability | USABLE LIFE | 156 | $78K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 82 | $950K |
| Other(3 contracts) | USABLE LIFE | 156 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.