| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $66K | — | $66K | 5.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 225 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | FLORIDA COMBINED LIFE | $8K | — | $8K | 13.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | P.O. BOX 2412 DAYTONA BEACH, FL 321152412 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 142 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 164 | $62K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $77K |
| Short-term disability | STANDARD INSURANCE COMPANY | 174 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 174 | $77K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 31 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.