| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $113 | $2K | 16.08% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $523 | $523 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $81 | $1K | 12.91% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $442 | $442 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $266 | $20 | $286 | 12.91% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $111 | $111 | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO, INC | 56 LIVINGSTON AVENUE PO BOX 369 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19 | $3 | $22 | 11.34% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW RD STE 271 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 5.15% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.