| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL JACKSONVILLE | 10151 DEERWOOD PARK BOULEVARD SUITE 100-500 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $73K | $73K | 4.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 17.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $24K | $31K | 15.01% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 5.42% |
| PETER HAGER3 Filed as: PETER CRISPIN HAGER | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $448 | $3K | $3K | 30.44% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | DBA THE BAILEY GROUP SAINT AUGUSTINE, FL 32080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $820 | $0 | $820 | 7.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 10151 DEERWOOD PARK BOULEVARD JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $640 | $86 | $726 | 7.03% |
| LYNNE HEALY3 | 20 UNDERMOUNT PATH EAST PALM COAST, FL 32164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $303 | $416 | 4.03% |
| ALDEN D MCGEE3 Filed as: ALDEN D. MCGEE | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $27 | $99 | 0.96% |
| CAPTURED MOMENTS BY KATE LLC3 Filed as: CAPTURED MOMENTS BY KATE, LLC | 4892 CASTLEGATE COURT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $5 | $92 | 0.89% |
| STEVEN JAMES FELL & OTHER AGENTS3 | 14132 235TH COURT NE WOODINVILLE, WA 98077 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.80% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $204K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $204K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $204K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $204K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $204K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.