| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, MIAMI DIV | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 331666205 | AETNA HEALTH, INC. | $0 | — | $0 | 0.00% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | AETNA HEALTH, INC. | $0 | — | $0 | 0.00% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | AETNA LIFE INSURANCE CO. | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, MIAMI DIV | 14900 NW 79TH COURT MIAMI LAKES, FL 330165869 | AETNA LIFE INSURANCE CO. | $0 | — | $0 | 0.00% |
| INSURING SOURCES3 Filed as: INSURING SOURCES INC. | 7031 SW 60TH STREET MIAMI, FL 331431835 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 7.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $15 | $4K | 1.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | PO BOX 2412 DAYTONA BEACH, FL 321152412 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $218 | $218 | 0.10% |
| INSURING SOURCES3 | 8200 NW 41ST STREET SUITE 200 DORAL, FL 331666205 | SUPPLEMENTAL COMPENSATION | $10K | — | $10K | 9.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, MIAMI DIV | 14900 NW 79TH COURT MIAMI LAKES, FL 330165869 | SUPPLEMENTAL COMPENSATION | $842 | — | $842 | 0.81% |
| INSURING SOURCES3 Filed as: INSURING SOURCES INC | 7031 SW 60TH STREET MIAMI, FL 331431835 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $7K | — | $7K | 7.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 14900 NW 79TH CT 200 MIAMI LAKES, FL 33016 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $2K | — | $2K | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 2412 DAYTONA, FL 321152412 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $0 | $110 | $110 | 0.12% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | — | $7K | 9.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, MIAMI DIV | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 330165869 | MUTUAL OF OMAHA INSURANCE COMPANY | $572 | — | $572 | 0.76% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 9.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, MIAMI DIV | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 330165869 | MUTUAL OF OMAHA INSURANCE COMPANY | $501 | — | $501 | 0.73% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | 33016-5869 | $3K | — | $3K | 9.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, MIAMI DIV | 14900 NW 79TH COURT MIAMI LAKES, FL 330165869 | 33016-5869 | $272 | — | $272 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURING SOURCES INC BROKER | Insurance brokerage commissions and fees Service code 53 | 8200 NW 41 ST SUITE 200 MIAMI, FL 33166 | $163K |
| BROWN & BROWN OF FLORIDA INC BROKER | Insurance brokerage commissions and fees Service code 53 | 8200 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | $15K |
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 | 979 | 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) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 61 | $243K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 885 | $300K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 885 | $211K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $322K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 178 | $69K |
| Long-term disability | SUPPLEMENTAL COMPENSATION | 241 | $104K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.