| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | $2K | $386 | $3K | 8.56% |
| WILLIAM H. MILLER3 | 2039 NW 111TH LOOP OCALA, FL 34475 | AFLAC | $2K | $9 | $2K | 8.59% |
| COMBINED INS SVCS AND OTHER AGENTS3 | 814 EAST SILVER SPRINGS BOULEVARD SUITE H OCALA, FL 34748 | AFLAC | $627 | $0 | $627 | 2.22% |
| LANCE SHNIDER3 Filed as: LANCE V. SHNIDER | 211 WEST SUGARBERRY LANE BEVERLY HILLS, FL 34465 | AFLAC | $529 | $2 | $531 | 1.88% |
| JAMES SMITH3 Filed as: JAMES B. SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37402 | AFLAC | $442 | $0 | $442 | 1.56% |
| JAMIE PITTNER3 Filed as: JAMIE M. PITTNER | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $310 | $2 | $312 | 1.10% |
| CHRISTY B. BRANHAM3 | 4066 ORIENT DRIVE HERNANDO BEACH, FL 34607 | AFLAC | $191 | $0 | $191 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | AFLAC | $141 | $0 | $141 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $81 | $1K | 13.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $241 | $0 | $241 | 4.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HEALTH OPTIONS, INC. | $151 | $0 | $151 | 5.00% |
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 | 110 | 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) | 110 | 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 | 49 | $8K |
| Dental | BLUE CROSS BLUE SHIELD OF FLORIDA | 12 | $5K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $8K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 110 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.