| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $87K | — | $87K | 3.96% |
| 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 | 5.78% |
| 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 | $7K | — | $7K | 10.03% |
| 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 | $881 | — | $881 | 9.99% |
| 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 | $645 | — | $645 | 14.99% |
| 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 | $645 | — | $645 | 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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 412 | $2.8M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 148 | $561K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 148 | $561K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 412 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 412 | $2.3M |
| Long-term disability(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 412 | $2.3M |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 243 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.