| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD SUITE 100-100 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $74K | $74K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 901505 HOMESTEAD, FL 33090 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 14.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 1.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 JACKSONVILLE, FL 32256 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $817 | $7K | 12.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $263 | $2K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $526 | $5K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-JACK | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | $5 | $42 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-JACK | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $191 | $24 | $215 | — |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.4M |
| Dental(5 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 67 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 157 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $81K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $81K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $81K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.