| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | $0 | $30K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | HEALTH OPTIONS | $15K | $0 | $15K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $15K | 21.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1201 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 13.84% |
| MJ INSURANCE3 Filed as: ALDEN D. MCGEE AND VARIOUS AGENTS | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 8.59% |
| DAVID ADAMS3 Filed as: DAVID BLAIR ADAMS III | 600 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 8.25% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 EAST ATLANTIC BOULEVARD POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $348 | $2K | 3.44% |
| JANET S DOHERTY3 Filed as: JANET S. DOHERTY | 26 PEARL STREET WEST SIDNEY, NY 13838 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $396 | $2K | 2.26% |
| JESSIE R CAPLEY3 Filed as: JESSIE R. CAPLEY | 1716 STILWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $813 | $116 | $929 | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE, SUITE 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $695 | $84 | $779 | 1.11% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $337 | $4K | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $211 | $3K | 7.88% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $859K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $72K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 65 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.