| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HEALTH OPTIONS, INC | $27K | $0 | $27K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 18.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.77% |
| ASHLEY EMPOWERMENT SERVICES, INC.3 | 8201 SOUTH INDIAN RIVER DRIVE FORT PIERCE, FL 34982 | AFLAC | $2K | $193 | $2K | 6.11% |
| BONNETT AND ASSOCIATES LLC3 Filed as: BONNETT & ASSOCIATES, LLC & OTHERS | 3243 SOUTH 92ND STREET, UNIT 306 MILWAUKEE, WI 53227 | AFLAC | $670 | $45 | $715 | 2.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIAL TO PLACE MELBOURNE, FL 32901 | AFLAC | $638 | $0 | $638 | 2.14% |
| JODI ELLEN COLEMAN3 | 3849 SE LEE STREET STUART, FL 34997 | AFLAC | $385 | $45 | $430 | 1.44% |
| KENNETH A. BREMMAM3 | 320 FORDHAM STREET SEBASTIAN, FL 32958 | AFLAC | $297 | $0 | $297 | 0.99% |
| JEREMY M HASKELL3 Filed as: JEREMY M. HASKELL | 109 DEMOTTE AVENUE PORT ORANGW, FL 32127 | AFLAC | $170 | $0 | $170 | 0.57% |
| ANTHONY NEGAST3 Filed as: ANTHONY PAUL NEGAST | 215 EAST OSAGE GARBER, OK 73738 | AFLAC | $163 | $0 | $163 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | USABLE LIFE | $513 | $0 | $513 | 12.02% |
| 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 | $500 | — | $500 | 15.01% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 43 | $1.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $65K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $62K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $66K |
| Short-term disability | AFLAC | 39 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 43 | $1.0M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.