| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORDIA | 1201 W. CYPRESS CREEK RD., STE. 130 FORT LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF FLORIDA | $74K | — | $74K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W. CYPRESS CREEK RD., STE. 130 FORT LAUDERDALE, FL 33309 | HEALTH OPTIONS, INC. | $27K | — | $27K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS SCREEK RD STE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $2K | $65K | 11.46% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 SO RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.22% |
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 | 552 | 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) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 228 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $563K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $563K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $563K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $563K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $563K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 228 | $2.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.