| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $77 | $13K | 10.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $180 | $180 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $932 | $4K | 19.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INK | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $944 | $4K | 20.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $656 | $2K | 20.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHU | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $551 | — | $551 | 7.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | — | $340 | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHU | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $500 | — | $500 | 7.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $321 | — | $321 | 4.93% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $130K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $130K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $18K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.