| 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 | $5K | $1K | $6K | 3.57% |
| JOSHUA A. DENN3 | 30 INTERNATIONAL DRIVE SUITE 101 PORTSMOUTH, NH 03801 | NORTHWESTERN MUTUAL | $462 | $166 | $628 | 0.39% |
| CHRISTENSEN FCL GP LLC3 | 1000 ELM STREET 15TH FLOOR MANCHESTER, NH 03101 | NORTHWESTERN MUTUAL | $462 | $55 | $517 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN M. BROWN | 30 INTERNATIONAL DRIVE SUITE 101 PORTSMOUTH, NH 03801 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 3.75% |
| DARYL F. ZERVESKES3 | 91 MORRILL ROAD, SUITE A CANTEBURY, NH 03224 | NORTHWESTERN MUTUAL | $1K | $350 | $2K | 1.25% |
| CHRISTENSEN FCL GP LLC3 | 1000 ELM STREET 15TH FLOOR MANCHESTER, NH 03101 | NORTHWESTERN MUTUAL | $694 | $83 | $777 | 0.56% |
| JOSHUA A. DENN3 | 30 INTERNATIONAL DRIVE SUITE 101 PORTSMOUTH, NH 03801 | NORTHWESTERN MUTUAL | $416 | $150 | $566 | 0.41% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 248 | $162K |
| Long-term disability | NORTHWESTERN MUTUAL | 205 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.