| 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 | $35K | — | $35K | 12.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $7K | 12.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $99 | — | $99 | 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 | $7K | $326 | $7K | 20.98% |
| ORTS ENTERPRISES INC3 | 14551 S TRAVEL DR UNIT 432 DRAPER, UT 84020 | AFLAC | $36 | — | $36 | 1.97% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $31 | — | $31 | 1.70% |
| RND FINANCIAL ASSOCIATES INC3 | 605 UNIVERSE BLVD APT T816 JUNO BEACH, FL 33408 | AFLAC | $17 | — | $17 | 0.93% |
| JOSEPH GLENN EVANS3 Filed as: JOSEPH G EVANS SR | 4312 DIAMOND TER WESTON, FL 33331 | AFLAC | $14 | — | $14 | 0.77% |
| LELAND E MCCRAVY3 Filed as: LELAND MCCRAVY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $11 | — | $11 | 0.60% |
| AILEEN KEENAN3 | 9603 NW 36TH CT CORAL SPRINGS, FL 33065 | AFLAC | $10 | — | $10 | 0.55% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $7 | — | $7 | 0.38% |
| ARIADNA M EVANS3 | 4312 DIAMOND TER WESTON, FL 33331 | AFLAC | $6 | — | $6 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $5 | — | $5 | 0.27% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.27% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $2 | — | $2 | 0.11% |
| MARK C LEE3 | 11500 COUNTY LINE RD MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $270K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $270K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.