| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $155K | $5K | $160K | 21.47% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $51 | $15K | 9.89% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.43% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.63% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.49% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT STE 201 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $2K | $5K | 12.09% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD FT LAUDERDALE, FL 33309 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | $794 | $5K | 11.61% |
| MORFAR STRATEGIES INC3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $899 | $2K | 5.77% |
| LISA M RUSSEY3 | 10380 NW 52ND ST CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE | $825 | $358 | $1K | 2.82% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE | $577 | $563 | $1K | 2.71% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLY BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE | $416 | — | $416 | 0.99% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW 112TH TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE | $145 | $23 | $168 | 0.40% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE | $102 | — | $102 | 0.24% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | COLONIAL LIFE & ACCIDENT INSURANCE | $101 | — | $101 | 0.24% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE APT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.65% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $444 | $2K | 12.74% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $810 | $810 | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 5727 FORT LAUDERDALE, FL 33310 | METROPOLIATAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.49% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $744K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $151K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $162K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $63K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $744K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.