| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | SYMETRA LIFE INSURANCE COMPANY | — | $70K | $70K | 4.20% |
| BROWN & BROWN INSURANCE SERVICES3 | 8825 NW 21ST TER DORAL, FL 33172 | METROPOLITAN LIFE INSURANCE COMPAY | $76K | $51 | $76K | 5.51% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPAY | — | $11K | $11K | 0.83% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPAY | $3K | — | $3K | 0.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE S | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPAY | — | $356 | $356 | 0.03% |
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 | 1,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 556 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $147K |
| Dental | METROPOLITAN LIFE INSURANCE COMPAY | 1,423 | $1.4M |
| Vision | VISION SERVICE PLAN | 456 | $69K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPAY | 1,423 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPAY | 1,423 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPAY | 1,423 | $1.4M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 476 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPAY | 1,423 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,423 | — |
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.