| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $48K | $59K | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 CYPRESS CRK RD STE 130 FT LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $45K | $55K | 1.68% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.86% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.88% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1201 WEST CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNUM INSURANCE COMPANY | $2K | $206 | $2K | 23.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1201 WEST CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNUM INSURANCE COMPANY | $1K | $133 | $1K | 23.19% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $344 | — | $344 | 10.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $167 | — | $167 | 4.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1201 WEST CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNUM INSURANCE COMPANY | $701 | $79 | $780 | 23.22% |
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 | 467 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $73K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 467 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.