| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $715 | $2K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 19.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH SIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $388 | — | $388 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $18 | $10K | 9.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 12.74% |
| SUN FINANCIAL CONCEPTS, INC.3 | 890 NORTHERN WAY, SUITE C-1 WINTER SPRINGS, FL 32708 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $662 | — | $662 | 1.96% |
| DIANE THRIFT3 | 1005 EDMISTON PLACE LONGWOOD, FL 32779 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.45% |
| CHARLES B. COX3 | 203 LONESOME PINE DRIVE LONGWOOD, FL 32779 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.39% |
| JACK C. TARPLEY3 Filed as: JACK TARPLEY | 4920 EMILEE GRACE LANE SAINT CLOUD, FL 34771 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.12% |
| FREEDOM BENEFITS, INC.3 | 1110 TROTWOOD BOULEVARD WINTER SPRING, FL 32708 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 9.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $948 | $948 | 4.27% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $119K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $280K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $115K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $115K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $115K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.