| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2911 CARDINAL DRIVE VERO BEACH, FL 32963 | HEALTH OPTIONS | $32K | $0 | $32K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2911 CARDINAL DRIVE VERO BEACH, FL 32963 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | $0 | $25K | 5.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 817 BEACHLAND BOULEVARD VERO BEACH, FL 32963 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $325 | $732 | $1K | 9.94% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 NORTH ROCKY POINT DRIVE SUITE 150 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $744 | — | $744 | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | SOLSTICE BENEFITS, INC. | $950 | $0 | $950 | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2911 CARDINAL DRIVE VERO BEACH, FL 32963 | USABLE LIFE | $635 | $0 | $635 | 15.98% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $235 | $0 | $235 | 5.91% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 58 | $1.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $61K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $55K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $59K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 22 | $11K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 58 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.