| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC, INC. | 140 FOUNTAIN PARKWAY, SUITE 600 ST. PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | $2K | $82K | 9.69% |
| BROWN & BROWN INSURANCE SERVICES3 | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $8K | $44K | 14.06% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 140 FOUNTAIN PARKWAY, SUITE 600 ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $725 | $0 | $725 | 0.23% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $845K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $313K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $313K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $313K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $313K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $313K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $845K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.