| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2911 CARDINAL DR STE 200W VERO BEACH, FL 32963 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 5.07% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR STE 150 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 817 BEACHLAND BLVD STE 200W VERO BEACH, FL 32963 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $282 | $13K | 9.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SO RIDGWOOD AVE DAYTONA BEACH, FL 32144 | THE GUARDIAN LIFE INSURANCE COMPANY | $760 | — | $760 | 0.55% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $635K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 390 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 390 | $139K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 390 | $139K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $635K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 390 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
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.