| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 500 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 500 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC | $17K | $0 | $17K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 13.72% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS., LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 5.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | PO BOX 748422 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.05% |
| DURRENCE RYAN C3 | 3648 AMERICANA DRIVE GREEN COVE SPRINGS, FL 32043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $736 | $0 | $736 | 3.90% |
| KMS FINANCIAL GROUP LLC3 Filed as: KMS FINANCIAL GROUP, LLC | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | $0 | $162 | 0.86% |
| BRITNI BURKINS INSURANCE AGENCY3 | 11516 SAN JOSE BOULEVARD, SUITE 4 JACKSONVILLE, FL 32223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | $0 | $151 | 0.80% |
| RAY DESTINY3 Filed as: RAY LESLEE | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.65% |
| MCDONALD MICHAEL3 | 3146 BRACHENBURY LANE JACKSONVILLE, FL 32225 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | $0 | $78 | 0.41% |
| RAY DESTINY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.13% |
| TREMBLE BRIANA3 | 8102 BLANDING BOULEVARD, SUITE 22 JACKSONVILLE, FL 32244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
| WEINBERG TROY3 | 13241 BARTRAM PARK BOULEVARD 501 JACKSONVILLE, FL 32258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.06% |
| UNKNOWN3 | UNKNOWN STARKE, FL 32091 | TELADOC HEALTH, INC. | $684 | $0 | $684 | 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 | 228 | 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) | 228 | 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 | 59 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $149K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $149K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $168K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $168K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 59 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.