| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | $5K | $121K | 19.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $2K | $24K | 10.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $5K | $19K | 20.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 21.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 22.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $808 | $3K | 20.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $767 | $3K | 20.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 319.18% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $628K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $215K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $215K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $137K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $4K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.