| 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 321144318 | BLUE CROSS BLUE SHIELD OF FLORIDA | $102K | — | $102K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 321144318 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 321144318 | FLORIDA COMBINED LIFE | $4K | — | $4K | 4.15% |
| ROSS, GAY3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $157 | — | $157 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | P. O. BOX 2412 DAYTONA BEACH, FL 32115 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 333 EARLE OVINGTON BLVD., STE. 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | P. O. BOX 2412 DAYTONA BEACH, FL 321152412 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 7.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE ROAD, STE 500 TALLAHASSEE, FL 323093435 | AMERITAS LIFE INSURANCE CORP. | $427 | — | $427 | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 321144318 | FLORIDA COMBINED LIFE | $954 | — | $954 | 11.70% |
| ROSS, GAY3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $39 | — | $39 | 0.48% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 162 | $2.3M |
| Dental | FLORIDA COMBINED LIFE | 157 | $108K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 288 | $22K |
| Life insurance | FLORIDA COMBINED LIFE | 227 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 215 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 30 | $213K |
| Other | FLORIDA COMBINED LIFE | 227 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.