| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LAKE LUCIEN DRIVE STE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 15.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 485 N. KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | FLORIDA COMBINED LIFE | $6K | — | $6K | 8.37% |
| CYNTHIA ACOSTA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $6K | — | $6K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 N. STARCREST DR. CLEARWATER, FL 33765 | FLORIDA COMBINED LIFE | $592 | — | $592 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $916 | — | $916 | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N. STARCREST DR. CLEARWATER, FL 33765 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $87 | — | $87 | 0.87% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 38 | $534K |
| Dental | FLORIDA COMBINED LIFE | 83 | $73K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 74 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $100K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 38 | $534K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.