| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $88K | $101K | 6.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.45% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD # 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS | 7317 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.99% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 6.99% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 31.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.82% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $43K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $43K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.