| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 5.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $327 | $5K | 16.00% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $774 | — | $774 | 4.92% |
| 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 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $531 | — | $531 | 3.38% |
| JANETTE ZUNIGA3 | 24-10 19TH STREET #3 ASTORIA, NY 11102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 1.29% |
| JENNIFER ROMO3 Filed as: JENNIFER ROMOVALDES | 841 E 18TH STREET HIALEAH, FL 33013 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.81% |
| CAROLINA CAPELLAN3 | 2206 S CYPRESS BEND DRIVE #708 POMPANO BEACH, FL 33069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FT LAUDERDALE FL | PO BOX 5727 FT LAUDERDALE, FL 33010 | EYEMED VISION CARE | $935 | — | $935 | 10.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $92 | $1K | 16.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $89 | $1K | 16.14% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $819K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $819K |
| Vision | EYEMED VISION CARE | 165 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $819K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.