| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 101 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 1.50% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $19 | $19 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 15.66% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTUIONS, INC. | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $0 | $2K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $0 | $1K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LAINER AND CO, | 11330 LAKEFIELD DRIVE, SUITE 100 BUILDING 1 JOHNS CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $237 | $237 | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 155 FEDERAL STREET, SUITE 1500 BOSTON, MA 02110 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $183 | $183 | 0.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MASSACHUSETTS | PO BOX 745957 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $187 | $187 | 1.64% |
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 | 1,253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 432 | $62K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,415 | $873K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,415 | $873K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,415 | $873K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,415 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.