| 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 | $37K | $3K | $39K | 15.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS SCREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $15K | 14.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SO RIDEGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $196 | — | $196 | 0.18% |
| 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 | $4K | — | $4K | 20.00% |
| AILEEN KEENAN3 | 9603 NW 36TH CT CORAL SPRINGS, FL 33065 | AFLAC | $62 | — | $62 | 1.55% |
| JOSEPH GLENN EVANS3 Filed as: JOSEPH G EVANS SR | 4312 DIAMOND TER WESTON, FL 33331 | AFLAC | $52 | — | $52 | 1.30% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SW BAYBERRY AVE PORT ST LUCIE, FL 34987 | AFLAC | $37 | — | $37 | 0.93% |
| ORTS ENTERPRISES INC3 | 14551 S TRAVEL DR UNIT 432 DRAPER, UT 84020 | AFLAC | $36 | — | $36 | 0.90% |
| L A D FINANCIAL CORP3 | 4531 CADIZ CIR PALM BEACH GARDENS, FL 33418 | AFLAC | $35 | — | $35 | 0.88% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $35 | — | $35 | 0.88% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $25 | — | $25 | 0.63% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $17 | — | $17 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $11 | — | $11 | 0.28% |
| ARIADNA M EVANS3 | 4312 DIAMOND TER WESTON, FL 33331 | AFLAC | $6 | — | $6 | 0.15% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.13% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $5 | — | $5 | 0.13% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $2 | — | $2 | 0.05% |
| MARK C LEE3 | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.03% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $257K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $109K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $18K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $257K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.