| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $16K | $16K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 1.34% |
| UMR, INC.3 Filed as: UMR,INC. | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD. STE. 200 NAPLES, FL 34109 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 13.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $884 | $3K | 13.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $782 | $4K | 19.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $726 | $3K | 13.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD. STE. 200 NAPLES, FL 34109 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $949 | — | $949 | 7.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $913 | — | $913 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | — | $763 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $114K |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 322 | $136K |
| Vision | VISION SERVICE PLAN | 152 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $19K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.