| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | UNITED HEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 3.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $935 | $3K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | — | $415 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $489 | $5K | 20.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $315 | — | $315 | 1.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | — | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $921 | — | $921 | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $113 | — | $113 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $667 | $100 | $767 | 15.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | — | $69 | 1.41% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 330 | $1.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 303 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 337 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $24K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 330 | $1.8M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 337 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.