| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TODD B BROWN | 2091 NE 36TH ST UNIT 50401 LIGHTHOUSE POINT, FL 33074 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 3.36% |
| PINETREE CAPITOL LLC3 | 5511 N UNIVERSITY DRIVE CORAL SPRINGS, FL 33067 | SOLSTICE BENEFITS, INC | $11K | $0 | $11K | 10.00% |
| PINETREE CAPITAL LLC3 | 2091 NE 36TH STREET UNIT 50401 LIGHTHOUSE PT, FL 33074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $11K | 17.96% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $786 | $786 | 1.23% |
| PINETREE CAPITAL LLC3 | 2091 NE 36TH STREET 50401 LIGHTHOUSE PT, FL 33074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $550 | $550 | 1.26% |
| PINETREE CAPITAL LLC3 | 2091 NE 36TH ST UNIT 50401 LIGHTHOUSE POINT, FL 33072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.02% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $499 | $499 | 1.26% |
| PINETREE CAPITAL LLC3 | 2091 NE 36TH STREET UNIT 50401 LIGHTHOUSE PT, FL 33074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $985 | $3K | 11.17% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $411 | $411 | 1.34% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.3M |
| Dental | SOLSTICE BENEFITS, INC | 278 | $109K |
| Vision | SOLSTICE BENEFITS, INC | 278 | $109K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $40K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.