| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, LAWRENCE | 5750 OLD ORCHARD ROAD SKOKIE, IL 60077 | ANTHEM BLUE CROSS BLUE SHIELD | $32K | — | $32K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LAWRENCE J. BROWN | 5750 OLD ORCHARD ROAD SUITE 350 SKOKIE, IL 600774404 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $158 | $158 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 5750 OLD ORCHARD ROAD, STE350 SKOKIE, IL 60077 | BLUE CROSS BLUE SHIELD | $55K | — | $55K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 5750 OLD ORCHARD RD, STE 350 SKOKIE, IL 60077 | UNITED HEALTH CARE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| 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 | $541 | — | $541 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD. | 5750 OLD ORCHARD RD, STE 350 SKOKIE, IL 60077 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $710 | — | $710 | 15.01% |
| 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 | $710 | — | $710 | 19.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, BROWN & GOMBERG, LTD, | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $524 | — | $524 | 14.18% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $194K |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 180 | $694K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 180 | $694K |
| Life insurance(3 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 209 | $33K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 209 | $27K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 209 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.