| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | HEALTH OPTIONS, INC | $16K | $0 | $16K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | $0 | $9K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745897 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $17K | 13.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 745897 ALTANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $345 | $2K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $343 | $343 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 173086 TAMPA, FL 33672 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $186 | $186 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 173086 ALTANTA, FL 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | HEALTHIESTYOU | $1K | $0 | $1K | 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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 43 | $629K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $129K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $129K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $129K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 43 | $629K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.