| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 4.45% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1661 WOTHINGTON ROAD SUITE 175 WEST PALM BEACH, FL 33409 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 10.31% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 45 EGLIN PARKWAY NORTHEAST SUITE 202 FORT WALTON BEACH, FL 32548 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $5K | $6K | 3.53% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $750 | $363 | $1K | 0.61% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $183K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $183K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $183K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $183K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $183K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.