| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.80% |
| DAILY FEATS INC5 Filed as: DAILY FEATS, INC | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.93% |
| DAILY FEATS INC5 Filed as: DAILY FEATS, INC | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $841 | $841 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF VA | 2359 RESEARCH COURT WOODBRIDGE, VA 22192 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $649 | $3K | 19.22% |
| DAILY FEATS INC5 Filed as: DAILY FEATS, INC | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $461 | $461 | 3.00% |
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 | 255 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $82K |
| Vision | VISION SERVICE PLAN | 88 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.