| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD, SUITE 500 DAYTONA BEACH, FL 32114 | AETNA HEALTH, INC. | $0 | $104K | $104K | 3.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | AETNA HEALTH, INC. | $0 | $9K | $9K | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA, FL 32114 | PRINCIPAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 10.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 23.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 240 SOUTH PINEAPPLE, SUITE 301 SARASOTA, FL 34236 | AETNA LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 | UNKNOWN DAYTONA BEACH, FL 32176 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 412 | $3.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 534 | $330K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 506 | $26K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 534 | $330K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 534 | $330K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 534 | $330K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 412 | $3.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 534 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.