| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $162K | $0 | $162K | 10.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 80 SOUTH 8TH STREET, SUITE 1800 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $97K | $0 | $97K | 6.47% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $317 | $317 | 0.02% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | DELTA DENTAL INSURANCE COMPANY | $28K | $0 | $28K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 2.50% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | LEGAL ACCESS SERVICES GROUP, LLC | $0 | $5K | $5K | 15.00% |
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 | 1,637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,439 | $928K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,070 | $169K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,637 | $1.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,637 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,637 | $1.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,637 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,439 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.