| 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. | $38K | — | $38K | 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 | $8K | $41 | $8K | 8.31% |
| 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 | $0 | $2K | $2K | 2.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $204 | $2K | 1.92% |
| 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 | 3.77% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.12% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA, DOMINIC | PO BOX 540249 MERRITT ISLAND, FL 32954 | AMERICAN FIDELITY ASSURANCE COMPANY | $68 | — | $68 | 0.09% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$877 | — | -$877 | -1.19% |
| 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 | 3.26% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 2.56% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA, DOMINIC | PO BOX 540249 MERRITT ISLAND, FL 32954 | AMERICAN FIDELITY ASSURANCE COMPANY | $549 | — | $549 | 0.86% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$1K | — | -$1K | -1.89% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 205 | $896K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $96K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $96K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $96K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 42 | $137K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 42 | $137K |
| Other(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 42 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.