| 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 CRK RD STE 130 FT LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 23.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CRK RD STE 130 FT LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $956 | $8K | 11.32% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.31% |
| 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 | $2K | — | $2K | 5.96% |
| GUILLEN CAYSPILAR3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 2.21% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 1.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139 | — | $139 | 14.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | — | $52 | 14.94% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $259K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $68K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $68K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $7K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $259K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.