| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | HEALTH OPTIONS, INC. | $15K | $0 | $15K | 4.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 5.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1201 WEST CYPRESS SCREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 7.03% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $889 | $0 | $889 | 1.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | UNKNOWN SARASOTA, FL 34243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49 | — | $49 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | FLORIDA COMBINED LIFE | $3K | $0 | $3K | 9.40% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 55 | $482K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $54K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $54K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $54K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 55 | $482K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.