| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | FLORIDA BLUE | $39K | — | $39K | 1.69% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP DBA SELECT S | 300 PRIMERA BLVD. SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | — | $85K | 9.67% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP DBA SELECT S | 300 PRIIMERA BLVD. SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53K | $53K | 6.06% |
| LEADING EDGE BENEFIT ADVISORS LLC3 | 12450 BRANTLEY COMMONS CT FORT MYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.05% |
| INSURANCE CONSULTING GROUP INC3 | 1825 MAIN ST, SUITE 102 WESTON, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.92% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST, SUITE 200 TAMPA, FL 33606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $726 | $3K | 0.39% |
| ADCOCK JOHN INSURANCE AGENCY INC | 313 W FLETCHER AVENUE TAMPA, FL 33612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.37% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $50 | $3K | 0.36% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $850 | $2K | 0.25% |
| THE CLEMONS COMPANY3 | PO BOX 2298 PANAMA CITY, FL 32402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $271 | $2K | 0.18% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.17% |
| RON SELLERS & ASSOCIATES INC3 | 300 AVENUE OF CHAMPIONS, SUITE 240 PALM BEACH GARDENS, FL 33418 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A ALL TRUST INS. | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $437 | $60 | $497 | 0.06% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HEAD CAPITAL ADV | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $323 | $323 | 0.04% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE #600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $707 | — | $707 | 0.38% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $611 | — | $611 | 0.33% |
| THE HAGAR GROUP3 | 151 E. HIGHLAND BLVD, SUITE 171 INVERNESS, FL 34452 | METROPOLITAN LIFE INSURANCE COMPANY | $564 | — | $564 | 0.30% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS | 2211 LEE ROAD, SUITE 100 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $506 | — | $506 | 0.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $268 | — | $268 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 1421 PINE RIDGE RD., SUITE 200 NAPLES, FL 34109 | METROPOLITAN LIFE INSURANCE COMPANY | $217 | — | $217 | 0.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $215 | — | $215 | 0.12% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON | 300 W. PLATT STREET TAMPA, FL 33606 | METROPOLITAN LIFE INSURANCE COMPANY | $200 | — | $200 | 0.11% |
| THE CLEMONS COMPANY Filed as: THE CLEMONS COMPANY, INC | 560 HARRISON AVENUE PANAMA CITY, FL 32401 | METROPOLITAN LIFE INSURANCE COMPANY | $196 | — | $196 | 0.11% |
| RAIMEY CORPORATION3 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $194 | — | $194 | 0.10% |
| RON SELLERS & ASSOCIATES INC3 Filed as: RON SELLERS & ASSOCIATES INC. | 300 AVENUE OF THE CHAMPIONS FORT MYERS, FL 33418 | METROPOLITAN LIFE INSURANCE COMPANY | $184 | — | $184 | 0.10% |
| LASSITER WARE3 Filed as: LASSITER-WARE INSURANCE | 1317 CITIZENS BLVD LEESBURG, FL 34748 | METROPOLITAN LIFE INSURANCE COMPANY | $163 | — | $163 | 0.09% |
| JOHN R STONER ORG INC3 Filed as: JOHN R. STONER ORG INC. | 700 CENTRAL AVE STE 404 ST. PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $160 | — | $160 | 0.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $156 | — | $156 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4498 W. US. HWY 90 LAKE CITY, FL 32055 | METROPOLITAN LIFE INSURANCE COMPANY | $151 | — | $151 | 0.08% |
| CELEDINAS INSURANCE GROUP3 Filed as: CELEDINAS INSURANCE | 4400 PGA BLVD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $130 | — | $130 | 0.07% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | — | $76 | 0.04% |
| JEFFREY PERSKY & ASSOCIATES3 | 3146 TIMBERVIEW DRIVE DUNEDIN, FL 34698 | METROPOLITAN LIFE INSURANCE COMPANY | $70 | — | $70 | 0.04% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| ACIA INSURANCE3 | 1800 SW 1ST AVE SUITE 403 MIAMI, FL 33129 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD. SUITE 140 LAKE MARY, FL 32746 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $544 | — | $544 | 5.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $135 | $20 | $155 | 1.46% |
| ADCOCK JOHN INSURANCE AGENCY INC3 | 313 FLETCHER AVENUE TAMPA, FL 33612 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $12 | — | $12 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUST MANAGEMENT GROUP EIN 59-2985259 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 300 PRIMERA BLVD. STE 140 LAKE MARY, FL 32746 | $1.4M |
| BLUE CROSS BLUE SHIELD OF FL EIN 59-2015694 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 4800 DEERWOOD CAMPUS PARKWAY DU-3 JACKSONVILLE, FL 32246 | $1.4M |
| MILLIMAN EIN 91-0675641 ACTUARY | Actuarial Service code 11 | 1120 SOUTH STREET, SUITE 400 OMAHA, NV 68124 | $291K |
| BROWN & BROWN EIN 59-0691921 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 1421 PINE RIDGE RD., SUITE 200 NAPLES, FL 34109 | $107K |
| RANDIE THOMPSON LEGAL COUNSEL | Legal Service code 29 | 4817 E. 18TH AVENUE DENVER, CO 80220 | $77K |
| FISHER BROWN BOTTRELL INSURANCE INC EIN 64-0887176 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 500 GRAND BLVD., SUITE 220 MIRAMAR BEACH, FL 32541 | $56K |
| OSWALD & SCOTT EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 E ROBINSON STREET, SUITE 522 ORLANDO, FL 32801 | $55K |
| INSURANCE CONSULTING GROUP EIN 20-0751744 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 799 BRICKELL PLAZA, SUITE 600 MIAMI, FL 33131 | $50K |
| HAYS COMPANIES EIN 83-2217196 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | PO BOX 1414 MINNEAPOLIS, MN 55480 | $47K |
| FRINGE BENEFIT PLANS EIN 59-2078951 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 2211 LEE ROAD, SUITE 100 WINTER PARK, FL 32789 | $42K |
| INSURANCE OFFICE OF AMERICA EIN 59-2472656 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | $41K |
| RON SELLERS & ASSOCIATES, INC. EIN 59-1848050 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 300 AVENUE OF THE CHAMPIONS PALM BEACH GARDENS, FL 33418 | $33K |
| THE HAGAR GROUP EIN 59-1567162 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 950 W. MAIN STREET INVERNESS, FL 34450 | $22K |
| M.E. WILSON EIN 59-0513450 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 300 E. PLATT STREET, SUITE 200 TAMPA, FL 33606 | $20K |
| LASSITER-WARE INSURANCE EIN 59-1258855 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | $18K |
| USI INSURANCE SERVICES EIN 13-3771734 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | $17K |
| JOHN R. STONER ORG INC EIN 59-2043959 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 700 CENTRAL AVENUE SUITE 404 ST PETERSBURG, FL 33701 | $15K |
| RAIMEY CORPORATION EIN 59-2224380 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 12450 BRANTLEY COMMONS COURT FORT MYERS, FL 33907 | $15K |
| THE CLEMONS COMPANY INC. EIN 59-3568123 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 560 HARRISON AVENUE PANAMA, FL 32401 | $14K |
| DIGITAL INSURANCE INC. EIN 58-2522668 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | $10K |
| CELEDINAS INSURANCE EIN 65-0021294 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 4400 PGA BLVD. SUITE 1000 PALM BEACH GARDENS, FL 33410 | $10K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 4498 W. US. HWY 90 LAKE CITY, FL 32055 | $9K |
| ACRISURE, LLC EIN 26-3554645 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 2965 ALT 19 PALM HARBOR, FL 34683 | $9K |
| JEFFREY PERSKY & ASSOCIATES EIN 59-3402263 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 3146 TIMBERVIEW DRIVE DUNEDIN, FL 34698 | $8K |
| CBIZ EIN 31-1582098 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | P.O. BOX 632886 CINCINNATTI, OH 45263 | $7K |
| SAPOZNIK INSURANCE EIN 65-0086146 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | $5K |
| HUB INTERNATIONAL OF FLOIDA EIN 35-0672425 | Insurance brokerage commissions and fees Service code 53 | 600 CLEVELAND ST., SUITE 600 CLEARWATER, FL 33755 | $0 |
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 | 2,787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,397 | $885K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,397 | $186K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 2,742 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,397 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.