| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN M. BROWN | 30 INTERNATIONAL DRIVE, SUITE 101 PORTSMOUTH, NH 03801 | NORTHWESTERN MUTUAL | $4K | $970 | $5K | 4.26% |
| DARYL F. ZERVESKES3 | 1000 ELM STREET, FLOOR 12 MANCHESTER, NH 03101 | NORTHWESTERN MUTUAL | $1K | $323 | $2K | 1.42% |
| CHRISTENSEN FCL GP LLC3 | 1000 ELM STREET, FLOOR 12 MANCHESTER, NH 03101 | NORTHWESTERN MUTUAL | $1K | $92 | $1K | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN M. BROWN | 30 INTERNATIONAL DRIVE, SUITE 101 PORTSMOUTH, NH 03801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.75% |
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 | 183 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $106K |
| Long-term disability | NORTHWESTERN MUTUAL | 183 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.