| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL HOMESTEAD | 8825 NW 21ST TER DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $48K | $51K | 5.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1780 N KROME AVE HOMESTEAD, FL 33031 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 13.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $286 | $286 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $25 | $25 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $171 | — | $171 | 5.10% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $55 | — | $55 | 1.64% |
| KIMBERLY N. HARDIN4 Filed as: KIMBERLY N HARDIN | 3164 21ST ST # 1057 LONG ISLAND, NY 11106 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCLENNAN AGENCY LLC MARSH & SEITLIN | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.89% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC. | 101 STARCREST DRIVE CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.27% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $854K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $854K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $854K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $23K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $23K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 113 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.