| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | HEALTH OPTIONS | $5K | $0 | $5K | 4.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 ST PETERSBURG, FL 33716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1661 WORTHINGTON ROAD, SUITE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $457 | $457 | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $755 | $0 | $755 | 4.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $891 | $49 | $940 | 9.65% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $97 | $186 | 1.91% |
| MATTHEW GRADY LEGGETT3 | 8825 LAKE PARK CIRCLE SOUTH DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 1.70% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY AND OTHER AGENTS | 10380 NW 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $34 | $138 | 1.42% |
| PEACOCK FINANCIALS INC3 Filed as: PEACOCK FINANCIALS, INC. | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $94 | $136 | 1.40% |
| MATTHEW HAND3 | 8508 PARROTS LANDING DRIVE TAMPA, FL 33647 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.68% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE APARTMENT 20 TAMPA, FL 33619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.50% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 9 | $128K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $18K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $18K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 1 | $16K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.