| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 1 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 4.00% |
| 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 | $20K | $0 | $20K | 12.86% |
| VELOCITY BENEFITS3 Filed as: VELOCITY BENEFITS, INC. | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 4.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1661 WORTHINGTON ROAD, SUITE 175 WEST PALM BEACH, FL 33409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $667 | $667 | 0.44% |
| RYAN C. DURRENCE3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $460 | $0 | $460 | 3.01% |
| KMS FINANCIAL GROUP LLC3 Filed as: KMS FINANCIAL GROUP | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | $0 | $303 | 1.98% |
| BRITNI BURKINS INSURANCE AGENCY3 | 11516 SAN JOSE BOULEVARD, SUITE 4 JACKSONVILLE, FL 32223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | $0 | $188 | 1.23% |
| MICHAEL MCDONALD3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 1.00% |
| LESLEE RAY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | $0 | $137 | 0.90% |
| TROY WEINBERG3 | 13241 BARTRAM PARK BOULVARD SUITE 501 JACKSONVILLE, FL 32258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.16% |
| BRIANA TREMBLE3 | 8102 BLANDING BOULEVARD, SUITE 22 JACKSONVILLE, FL 32244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.06% |
| RYAN C. DURRENCE3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $300 | $0 | $300 | 5.21% |
| LESLEE RAY3 | 2820 ADMIRALS WALK DRIVE WEST ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | $0 | $57 | 0.99% |
| BRITNI BURKINS INSURANCE AGENCY3 | 11516 SAN JOSE BOULEVARD, SUITE 4 JACKSONVILLE, FL 32223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.70% |
| KMS FINANCIAL GROUP LLC3 Filed as: KMS FINANCIAL GROUP | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.19% |
| MICHAEL MCDONALD3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.09% |
| BRIANA TREMBLE3 | 8102 BLANDING BOULEVARD, SUITE 22 JACKSONVILLE, FL 32244 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
| TROY WEINBERG3 | 13241 BARTRAM PARK BOULVARD SUITE 501 JACKSONVILLE, FL 32258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| UNKNOWN3 | UNKNOWN STARKE, FL 32091 | TELADOC HEALTH, INC. | $652 | — | $652 | 15.01% |
| KMS FINANCIAL GROUP LLC3 Filed as: KMS FINANCIAL GROUP | 570 FALCON FORK WAY SAINT JOHNS, FL 32259 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 3.89% |
| RYAN C. DURRENCE3 | 1550 CHELSEA PLACE ORANGE PARK, FL 32073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 3.25% |
| MICHAEL MCDONALD3 | 7111 GLENDYNE DRIVE SOUTH JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 2.27% |
| BRITNI BURKINS INSURANCE AGENCY3 | 11516 SAN JOSE BOULEVARD, SUITE 4 JACKSONVILLE, FL 32223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 2.10% |
| TROY WEINBERG3 | 13241 BARTRAM PARK BOULVARD SUITE 501 JACKSONVILLE, FL 32258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.34% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $968K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $153K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $153K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $177K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $177K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 107 | $968K |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.