| 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 HEALTH PLANS, INC. | $43K | — | $43K | 5.00% |
| 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 | $45 | $9K | 8.92% |
| 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 | — | $956 | $956 | 0.96% |
| 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 | $3K | — | $3K | 4.13% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 2.48% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.19% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA, DOMINIC | PO BOX 540249 MERRITT ISLAND, FL 32954 | AMERICAN FIDELITY ASSURANCE COMPANY | $460 | — | $460 | 0.55% |
| 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 | $2K | — | $2K | 2.57% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 2.31% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.31% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA, DOMINIC | PO BOX 540249 MERRITT ISLAND, FL 32954 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.20% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 230 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $100K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $100K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 136 | $145K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 136 | $145K |
| Prescription drug | HEALTH FIRST HEALTH PLANS, INC. | 230 | $862K |
| Other(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 136 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.