| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $8K | $38K | 16.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC, | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.41% |
| ROBERT LUBY3 | 11427 SWIFT WATER CIRCLE ORLANDO, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $951 | $0 | $951 | 4.75% |
| TRISTAN GAINES3 | 3599 CONROY ROAD, APARTMENT 932 ORLANDO, FL 32839 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 2.89% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC. | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | $0 | $263 | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | ADVANTICA REINSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $235K |
| Vision | ADVANTICA REINSURANCE COMPANY | 250 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $235K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $235K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $235K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.