| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LAWRENCE J. BROWN | 5750 OLD ORCHARD ROAD SUITE 350 SKOKIE, IL 600774404 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 4.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LAWRENCE J. BROWN | 5750 OLD ORCHARD ROAD SUITE 350 SKOKIE, IL 600774404 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 7.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 5750 OLD ORCHARD ROAD SUITE 350 SKOKIE, IL 600774404 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 5750 OLD ORCHARD ROAD SUITE 350 SKOKIE, IL 60077 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $437 | — | $437 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 5750 OLD ORCHARD ROAD, #350 SKOKIE, IL 60077 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209 | — | $209 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 570 OLD ORCHARD ROAD SUITE 350 SKOKIE, IL 600774404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $246 | — | $246 | 15.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD, | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $238 | — | $238 | 14.99% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.7M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $4K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15 | $2K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.