| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | HUMANA INSURANCE COMPANY | $113K | $26K | $139K | 6.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 3343 PERIMETER HILL BOULEVARD SUITE 214 NASHVILLE, TN 37211 | HARTFORD LIFE AND ACCIDENT | $66K | — | $66K | 15.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | HUMANADENTAL INSURANCE COMPANY | $21K | $1K | $23K | 12.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOT DRIVE SUITE 500 NASHVILLE, TN 37214 | KANAWHA INSURANCE COMPANY | $45K | — | $45K | 67.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | HUMANADENTAL INSURANCE COMPANY | $6K | $1K | $7K | 15.32% |
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 | 679 | 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) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 495 | $2.3M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 439 | $185K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 419 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 676 | $428K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 676 | $428K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 676 | $428K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 676 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.