| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA LP | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $11K | — | $11K | 3.26% |
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 | 1,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 427 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 59 | $345K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,114 | $1.7M |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,386 | $525K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,246 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,246 | $1.4M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,246 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,114 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.