| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $2K | $38K | 12.39% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INS SVS INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 4.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 850041043 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 7.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VIRGINA 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ | ATTN KURT ADAMS 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 850041043 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.44% |
| STRATEGINC NON-MEDICAL SOLUTIONS3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | PRINCIPAL LIFE INSURANCE COMPANY | — | $241 | $241 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $427 | $6K | 17.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - PHOENIX AZ | PO BOX 2800 PHOENIX, AZ 85004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $474 | — | $474 | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PHOENIX AZ | PO BOX 2800 PHOENIX, AZ 85004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | SERVICES, INC 2800 N CENTRAL AVE, STE 1100 PHOENIX, AZ 85004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $305K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $149K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 159 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $285K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $285K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.