| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | HEALTH OPTIONS | $33K | — | $33K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - FORT LAUDERDALE | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.69% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $6K | $6K | 9.53% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.62% |
| WILLIAM ALLAN LARRABEE3 | 7009 STIRLING ROAD APT 7106 DAVIE, FL 33314 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.47% |
| KYLE RUSSEY3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.96% |
| ELISA FRANSISCA ROJAS3 | 3150 NW 42ND AVE APT E101 POMPANO BEACH, FL 33066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.22% |
| LESLEY ANN KEENAN3 | 3000 S HIGHWAY A1A UNIT 202 JUPITER, FL 33477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER DUANE LEE | 837 SE COURANCES DR PORT SAINT LUCIE, FL 34984 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.80% |
| CUSTOM BENEFIT PROGRAMS INC3 | 1 NORTH WHITE HORSE PIKE, 2ND FLOOR HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD FT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | — | $148 | $148 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1661 WORTHINGTON RD STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $609 | — | $609 | 2.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | COMPBENEFITS COMPANY | $578 | — | $578 | 7.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | COMPBENEFITS COMPANY | — | $86 | $86 | 1.11% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 69 | $548K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 54 | $37K |
| Vision | HUMANA INSURANCE COMPANY | 54 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 103 | $24K |
| Prescription drug | HEALTH OPTIONS | 69 | $548K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 103 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.