| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $158K | — | $158K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1560 ORANGE AVE, SUITE 750 WINTER PARK, FL 32789 | HEALTH OPTIONS | $89K | — | $89K | 1.00% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP DBA SELECT | 300 PRIMERA BLVD. STE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $149K | $3K | $153K | 11.50% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 0.91% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBA THE BAILEY | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $608 | $7K | 0.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $971 | $5K | 0.35% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA H | 12450 BRANTLEY COMMONS CT FORT MEYERS, FL 33907 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $47 | $2K | 0.18% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE STE 403 MIAMI, FL 33129 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATION INS INC | 110 CARILLON PKWY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $35 | $1K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OFAMERICA LOC CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $521 | $521 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.00% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INS SERVICES | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP D/B/A SELECT | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | — | $3K | 8.55% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 6.38% |
| AMERICAN CENTRAL INSURANCE SERVICES3 Filed as: AMERICAN CENTRAL INSURANCE AGENCY | 1800 SW 1ST AVE STE 403 MIAMI, FL 33129 | SAFE GUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $88 | — | $88 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF FLORIDA,INC.DAYTONA | PO BOX 745961 ATLANTA, GA 30374 | METLIFE LEGAL PLANS OF FLORIDA | $2K | — | $2K | 9.36% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS OF FLORIDA | — | $482 | $482 | 2.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF FLORIDA,INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | — | $308 | $308 | 1.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF FLORIDA,INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS OF FLORIDA | — | $61 | $61 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN OF FLORIDA | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | METLIFE LEGAL PLANS OF FLORIDA | — | $23 | $23 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - DA | PO BOX 745961 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $184 | — | $184 | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $61 | $61 | 3.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAVEONSP, LLC EIN 47-3603390 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 40 LA RIVIERE SUITE 310 BUFFALO, NY 14202 | $93K |
| OSWALD AND SCOTT, PA EIN 06-1660624 AUDITOR | Accounting (including auditing) Service code 10 | 605 EAST ROBINSON STREET SUITE 522 ORLANDO, FL 32801 | $53K |
| HOLIFIELD LAW, PLLC EIN 81-0932795 LEGAL COUNSEL | Legal Service code 29 | 11907 KINGSTON PIKE SUITE 201 KNOXVILLE, TN 37934 | $36K |
| BUCK GLOBAL EIN 83-1116912 CONSULTANT | Consulting fees Service code 70 | 420 LEXINGTON AVENUE NEWYORK, NY 10170 | $11K |
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 | 2,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,654 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,654 | $1.3M |
| Prescription drug | HEALTH OPTIONS | 795 | $8.9M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 1,128 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,654 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.