| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | — | $30K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC | $5K | — | $5K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FT LAUDERDALE, FL 33310 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD SUITE 13 FT. LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD STE 13 FT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38 | — | $38 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD SUITE 13 FT. LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 13.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $104 | — | $104 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD STE 13 FT LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $274 | — | $274 | 8.89% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 700 W. HILLSBORO BLVD. SUITE 2-102 DEERFIELD BEACH, FL 33441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24 | — | $24 | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10 | — | $10 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD STE 13 FT. LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $245 | — | $245 | 8.88% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC | 700 W. HILLSBORO BLVD. SUITE 2-102 DEERFIELD BEACH, FL 33441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22 | — | $22 | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT CONSULTANTS | 1201 W. CYPRESS CREEK ROAD SUITE 13 FT. LAUDERDALE, FL 33309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $96 | — | $96 | 20.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$24 | — | -$24 | -5.01% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 77 | $584K |
| Dental | AETNA LIFE INSURANCE COMPANY | 142 | $30K |
| Vision | AETNA LIFE INSURANCE COMPANY | 142 | $30K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 36 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 77 | $584K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.