| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 745836 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $0 | $36K | 8.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $664 | $0 | $664 | 0.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 745836 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 9.90% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $136 | $5K | 10.26% |
| BROWN & BROWN INSURANCE SERVICES5 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.96% |
| BROWN & BROWN INSURANCE SERVICES5 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $536 | $536 | 1.04% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $434K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 83 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 83 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $52K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $434K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.