| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $80K | — | $80K | 3.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | HEALTH OPTIONS, INC. | $19K | — | $19K | 3.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | USABLE LIFE | $19K | — | $19K | 12.65% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $8K | — | $8K | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | FLORIDA COMBINED LIFE | $17K | — | $17K | 21.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $5K | — | $5K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $742 | $510 | $1K | 55.84% |
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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 287 | $2.1M |
| Dental | FLORIDA COMBINED LIFE | 205 | $80K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 333 | $53K |
| Life insurance | USABLE LIFE | 911 | $152K |
| Short-term disability | USABLE LIFE | 911 | $152K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 911 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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.