| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2911 CARDINAL DR VERO BEACH, FL 32963 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 13.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 6.34% |
| 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 | $15K | $5K | $19K | 12.66% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR STE 150 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON ROAD STE. 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| 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 | $291 | — | $291 | 0.19% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 135 | $250K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 341 | $153K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 341 | $153K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 341 | $153K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 135 | $250K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 341 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.