| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD. SUITE 500 TALLAHASSEE, FL 32309 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 8.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD #500 TALLAHASSEE, FL 32309 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 18.70% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY, INC. | PO BOX 12039 TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $5K | $786 | $5K | 7.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD. #500 TALLAHASSEE, FL 32309 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE. STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.73% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY, INC. | PO BOX 12039 TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $135 | — | $135 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD. #500 TALLAHASSEE, FL 32309 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.59% |
| EARL BACON AGENCY INC3 Filed as: EARL BACON AGENCY, INC. | PO BOX 12039 TALLAHASSEE, FL 32308 | STANDARD INSURANCE COMPANY | $133 | — | $133 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD. SUITE 500 TALLAHASSEE, FL 32309 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $303 | $303 | 1.28% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 250 | $139K |
| Vision | STANDARD INSURANCE COMPANY | 227 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 187 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 124 | $50K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 125 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.