| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 4.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $558 | $558 | 1.05% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $51 | $4K | 10.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $561 | $3K | 6.97% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $821 | $821 | 2.27% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 5850 GRANITE PKWY STE 350 PLANO, TN 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $974 | $974 | 6.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $165 | $165 | 1.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $653 | $653 | 5.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $94 | $94 | 0.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $542 | $542 | 6.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $100 | $100 | 1.13% |
| BROWN & BROWN INSURANCE SERVICES3 | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | TRANSAMERICALIFEINSURANCECOMPANY | $363 | — | $363 | 15.70% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICALIFEINSURANCECOMPANY | — | $236 | $236 | 10.21% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICALIFEINSURANCECOMPANY | — | $112 | $112 | 4.84% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $23 | — | $23 | 10.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $11 | $3 | $14 | 6.60% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH S DAYTONA BEACH, FL 32114 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $5 | $5 | 2.36% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $20 | — | $20 | 27.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $10 | $4 | $14 | 18.92% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $2 | $2 | 2.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1 | — | $1 | 7.69% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1 | — | $1 | 7.69% |
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 | 261 | 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) | 261 | 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 | 51 | $837K |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $36K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $36K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $834K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.