| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA, INC | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $4K | $72K | 14.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | METROPOLITAN LIFE INSURANCE COMPANY | — | $336 | $336 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LOUISIANA LLC | 400 E KALISTE SALOOM RD STE 1100 LAFAYETTE, LA 705088517 | AMERITAS LIFE INSURANCE CORP | $23K | $0 | $23K | 5.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 323093435 | AMERITAS LIFE INSURANCE CORP | $0 | $12K | $12K | 3.11% |
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 | 553 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 1,216 | $402K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,216 | $402K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,693 | $495K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,693 | $495K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,693 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,693 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.