| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | CURATIVE INSURANCE COMPANY | $19K | $0 | $19K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 7.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 WEST CYPRESS SCREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 6.67% |
| VELOCITY BENEFITS3 | 119 NORTHBROOKE TRACE WOODSTOCK, GA 30188 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | UNKNOWN JACKSONVILLE, FL 32254 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.08% |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 55 | $316K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $100K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $100K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $100K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $100K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 55 | $316K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.