| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $22K | 21.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $351 | — | $351 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $15 | $10K | 10.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $490 | $490 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE | $6K | — | $6K | 10.91% |
| SUN FINANCIAL CONCEPTS, INC.3 | 890 NORTHERN WAY, SUITE C-1 WINTER SPRINGS, FL 32708 | AMERICAN HERITAGE LIFE | $4K | — | $4K | 7.06% |
| JACK C. TARPLEY3 Filed as: JACK TARPLEY | 4920 EMILEE GRACE LANE SAINT CLOUD, FL 34771 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 2.02% |
| DIANE THRIFT3 | 1005 EDMISTON PLACE LONGWOOD, FL 32779 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 2.01% |
| CHARLES B. COX3 | 203 LONESOME PINE DRIVE LONGWOOD, FL 32779 | AMERICAN HERITAGE LIFE | $251 | — | $251 | 0.43% |
| FREEDOM BENEFITS, INC.3 | 1110 TROTWOOD BOULEVARD WINTER SPRING, FL 32708 | AMERICAN HERITAGE LIFE | $87 | — | $87 | 0.15% |
| JANILLE CATHERINE MCCALL3 | 454 FOMONA DRIVE APOPKA, FL 32712 | AMERICAN HERITAGE LIFE | $9 | — | $9 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 9.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $84 | $84 | 0.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $114K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 168 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $106K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $106K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.