| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $52K | $80K | 5.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2480 DAYTONA, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.36% |
| VINCENT MALDONADO3 | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.64% |
| DELMAR JOHNSON III3 Filed as: DELMAR W. JOHSON III | 128 TILDENVILLE SCHOOL ROAD WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $627 | $0 | $627 | 2.75% |
| NOLAN KING3 | 1132 LAWRENCE AVENUE INDIANAPOLIS, IN 46227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | $0 | $255 | 1.12% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.58% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC. | 1650 SAND LAKE ROAD SUITE 201 D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 0.54% |
| MJ INSURANCE3 Filed as: ROBERTY LUBY AND VARIOUS AGENTS | 11427 SWIFT WATER CIRCLE ORLANDO, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.41% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.