| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $70K | $0 | $70K | 4.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 9.85% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP, INC. | 5400 SOUTH UNIVERSITY DRIVE DAVIE, FL 33324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.07% |
| GUILLEN CAYSPILAR3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $950 | $0 | $950 | 1.38% |
| BAILEY LAQUETA3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $481 | $0 | $481 | 0.70% |
| ROMO JENNIFER3 | 841 EAST 18TH STREET HIALEAH, FL 33013 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | $0 | $247 | 0.36% |
| OLIVERA GARY3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | USABLE LIFE | $4K | $0 | $4K | 13.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | PO BOX 5727 FORT LAUDERDALE, FL 03010 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | COMPBENEFITS COMPANY | $1K | $0 | $1K | 10.11% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $1.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 122 | $90K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 192 | $14K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 440 | $97K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 171 | $1.5M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 440 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.