| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201NW 62ND STREET SUITE 130 FT LAUDERDALE, FL 33309 | HEALTH OPTIONS INC | $40K | — | $40K | 4.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | HEALTH OPTIONS INC | $8K | — | $8K | 0.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | — | $42K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6711 COLUMBIA GATEWAY DR 450 COLUMBIA, MD 21046 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | FLORIDA COMBINED LIFE | $10K | — | $10K | 16.24% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | FLORIDA COMBINED LIFE | $1K | — | $1K | 2.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 S 8TH ST STE 70080 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $551 | $4K | 14.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 NW 62ND STREET SUITE 130 FT LAUDERDALE, FL 33309 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $1K | — | $1K | 6.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANY | 1000 SOUTH PINE ISLAND SUITE 225 PLANTATION, FL 33324 | FLORIDA COMBINED LIFE | $641 | — | $641 | 10.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | FLORIDA COMBINED LIFE | $456 | — | $456 | 7.30% |
| ASSUREDPARTNERS3 Filed as: ASSURED PERTNERS CAPITAL, INC. | 2910 WEST BAY TO BAY BLVD TAMPA, FL 33629 | FLORIDA COMBINED LIFE | $95 | — | $95 | 1.52% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 96 | $1.8M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 76 | $70K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 137 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 238 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $28K |
| Other | HARTFORD LIFE AND ACCIDENT | 238 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.