| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $1K | $40K | 16.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LAKE LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 14.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC. | 1780 N KROME AVE HOMESTEAD, FL 33030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| L A D FINANCIAL CORP3 | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $64 | — | $64 | 1.75% |
| AILEEN KEENAN3 | 9603 NW 36TH CT CORAL SPRINGS, FL 33065 | AFLAC | $57 | — | $57 | 1.56% |
| JOSEPH GLENN EVANS Filed as: JOSEPH G EVANS SR | 4312 DIAMOND TER WESTON, FL 33331 | AFLAC | $48 | — | $48 | 1.31% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $34 | — | $34 | 0.93% |
| ORTS ENTERPRISES INC3 | 8350 SANDS POINT BLVD E106 TAMARAC, FL 33321 | AFLAC | $33 | — | $33 | 0.90% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $23 | — | $23 | 0.63% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $15 | — | $15 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $10 | — | $10 | 0.27% |
| ARIADNA M EVANS3 | 4312 DIAMOND TER WESTON, FL 33331 | AFLAC | $6 | — | $6 | 0.16% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.14% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $4 | — | $4 | 0.11% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.05% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $241K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $16K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $241K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.