| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2862 CLAIRE LANE JACKSONVILLE, FL 32223 | ALL SAVERS INSURANCE COMPANY | $41K | — | $41K | 10.67% |
| SARA DRILLING3 | 2862 CLAIRE LANE JACKSONVILLE, FL 32223 | ALL SAVERS INSURANCE COMPANY | $4K | — | $4K | 1.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $550 | $5K | 11.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL BEN ADMIN | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | STARMOUNT LIFE INSURANCE COMPANY | $269 | — | $269 | 0.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $268 | $3K | 16.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $223 | $3K | 16.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $217 | $3K | 16.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL BEN ADMIN | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $693 | — | $693 | 4.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 87 | $44K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 87 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $35K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $39K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $39K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 83 | $380K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.