| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HEALTH OPTIONS | $23K | $0 | $23K | 4.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 4.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 16.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, FL 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.89% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 2233 LEE ROAD, SUITE 204 WINTER PARK, FL 32789 | PRINCIPAL LIFE INSURANCE COMPANY | — | $243 | $243 | 0.40% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, FL 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $97 | $97 | 0.16% |
| ASHLEY EMPOWERMENT SERVICES, INC.3 | 8201 SOUTH INDIAN RIVER DRIVE FORT PIERCE, FL 34982 | AFLAC | $2K | $37 | $2K | 6.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | AFLAC | $1K | $0 | $1K | 4.06% |
| ANTHONY NEGAST3 Filed as: ANTHONY PAUL NEGAST & OTHER AGENTS | 215 EAST OSAGE GARBER, OK 73738 | AFLAC | $804 | $0 | $804 | 2.80% |
| JODI ELLEN COLEMAN3 | 3849 SE LEE STREET STUART, FL 34997 | AFLAC | $398 | $9 | $407 | 1.42% |
| K A B INVESTMENTS, INC.3 | 320 FORHAM STREET SEBASTIAN, FL 32958 | AFLAC | $322 | $0 | $322 | 1.12% |
| BONNETT AND ASSOCIATES LLC3 | 7 OAK STREET, UNIT 102 COCOA, FL 32922 | AFLAC | $297 | $9 | $306 | 1.07% |
| BONNETT AND ASSOCIATES LLC3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | AFLAC | $204 | $0 | $204 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | SOLSTICE BENEFITS | $649 | — | $649 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | USABLE LIFE | $620 | $0 | $620 | 16.10% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $40 | $0 | $40 | 1.04% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 46 | $945K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $66K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $61K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $65K |
| Short-term disability | AFLAC | 34 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 35 | $443K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.