| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC | 330 N. BEACH ST DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $88K | — | $88K | 6.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 5.47% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | USABLE LIFE | $18K | $303 | $18K | 12.76% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 10151 DEERWOOD PARK BLVD. B100, SUITE 500 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 1.72% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 0.80% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SE | — | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 745961 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FLORIDA HEALTH CARE PLANS, INC. | 269 | $1.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 340 | $121K |
| Vision | VISION SERVICE PLAN | 162 | $23K |
| Life insurance | USABLE LIFE | 258 | $141K |
| Short-term disability | USABLE LIFE | 258 | $141K |
| Long-term disability | USABLE LIFE | 258 | $141K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 28 | $398K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 307 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.