| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | HEALTH FIRST HEATH PLANS, INC. | $36K | — | $36K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $10K | — | $10K | 36.98% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA, DOMINIC | PO BOX 540249 MERRITT ISLAND, FL 32954 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 3.63% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $818 | $818 | 2.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6905 N WICKHAM RD #501 MELBOURNE, FL 32940 | AMERICAN FIDELITY ASSURANCE COMPANY | $386 | — | $386 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 6905 N WICKHAM RD #501 MELBOURNE, FL 32940 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $31 | $9K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH FIRST HEATH PLANS, INC. | 263 | $717K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 102 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 102 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 102 | $0 |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $28K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $28K |
| Prescription drug | HEALTH FIRST HEATH PLANS, INC. | 263 | $717K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 38 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.