Form 5500 · Employee benefit plan · DAYTONA BEACH, FL
BROWN & BROWN, INC.
The filing calls this plan BROWN & BROWN, INC. HEALTH AND WELFARE BENEFITS PLAN.
BROWN & BROWN, INC. of DAYTONA BEACH, FL is a 12,117-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is STRATEGIC NON-MEDICAL SOLUTIONS LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0864469 · plan 501 · plan year 2025, filed Sep 23, 2026
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2,208 other employer plans in Florida have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Dental: HAWAII DENTAL SERVICE covers 99 of 12,117 participants (0.8%) on Schedule A.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $26,630,405, with $2,059,483 in disclosed broker commissions — about 7.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
STRATEGIC NON-MEDICAL SOLUTIONS LLC is the broker of record on 4 of the 12 contracts; the rest name a different broker or none.
12 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, HARTFORD LIFE AND ACCIDENT, RELIASTAR LIFE INSURANCE COMPANY and VISION SERVICE PLAN. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 17,433 | Jan 1, 2026 | $10,605,778 | $1,312,686 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 1,235 | Jan 1, 2026 | $11,099,868 | $335,102 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 8,186 | Jan 1, 2026 | $1,413,324 | $141,332 |
| VISION SERVICE PLAN | Vision | 7,948 | Jan 1, 2026 | $1,127,782 | $78,823 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 17,433 | Jan 1, 2026 | $341,697 | $74,372 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 284 | Jan 1, 2026 | $455,310 | $61,763 |
| MUTUAL OF OMAHA INSURANCE COMPANY | — | 246 | Jan 1, 2026 | $321,966 | $31,833 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Vision | 84 | Jan 1, 2026 | $620,906 | $18,384 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 11 | Jan 1, 2026 | $115,778 | $4,212 |
| HAWAII DENTAL SERVICE | Dental | 99 | Jan 1, 2026 | $48,911 | $976 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 1,954 | Jan 1, 2026 | $458,348 | $0 |
| NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | 17,433 | Jan 1, 2026 | $20,737 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 287381. For the contract year on this filing, the carrier reported $11,099,868 in premium earned and $10,185,323 in claims incurred. Dividing one by the other gives 92%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 287381 reported $2,640,098 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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