| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD SUITE 100-500 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 12.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $369 | $71 | $440 | 11.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $111 | $0 | $111 | 3.01% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 67 | $362K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 49 | $66K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 49 | $66K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 96 | $70K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 49 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 49 | $66K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 67 | $362K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 96 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.