| 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 | $141K | — | $141K | 12.50% |
| 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 | $30K | — | $30K | 9.93% |
| 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 | $19K | $9K | $28K | 22.08% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS | 1 BEACON STREET BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $554 | $554 | 0.43% |
| 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 | $19K | $7K | $26K | 20.94% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS | 1 BEACON STREET BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $539 | $539 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 140 FOUNTAIN PKWY ST. PETERSBURY, FL 33716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 13.05% |
| 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 | $13K | $7K | $20K | 22.65% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS | 1 BEACON STREET BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $387 | $387 | 0.43% |
| 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 | $8K | $5K | $13K | 24.55% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS | 1 BEACON STREET BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $211 | $211 | 0.41% |
| 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 | $4K | $1K | $5K | 19.43% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS | 1 BEACON STREET BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $109 | $109 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $234 | $4K | 15.93% |
| 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 | $3K | $1K | $4K | 21.35% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS | 1 BEACON STREET BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $77 | $77 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $504 | $8 | $512 | 15.24% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $306K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $306K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $310K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $89K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.