| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE BOWSER3 Filed as: GEORGE EDWARD BOWSER | 7077 BONNEVAL ROAD SUITE #380 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 0.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 901505 HOMESTEAD, FL 33090 | SUNLIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 13.19% |
| GEORGE BOWSER3 | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $567 | $567 | 1.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 32309 | HUMANA INSURANCE COMPANY OF NE | $834 | — | $834 | 6.67% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 313 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 313 | $1.8M |
| Vision | HUMANA INSURANCE COMPANY OF NE | 83 | $13K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 172 | $30K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 172 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.