| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 9.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| VINCENT MALDONADO3 Filed as: VINCENT MALDANO | 12702 DALLINGTON TERRACE WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $944 | $0 | $944 | 4.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $479 | $0 | $479 | 2.15% |
| NOLAN KING3 | 1132 LAWRENCE AVENUE INDIANAPOLIS, IN 46227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | $0 | $216 | 0.97% |
| MARY E. REMSOM | 2066 LAKE MARION DRIVE APOKA, FL 32712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | $0 | $152 | 0.68% |
| ROBERT LUBY3 | 11427 SWIFT WATER CIRCLE ORLANDO, FL 32817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.35% |
| DELMAR JOHNSON III3 Filed as: DELMAR W JOHNSON III & OTHER AGENTS | 128 TILDENVILLE SCHOOL ROAD WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.26% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC | 1650 SAND LAKE ROAD, SUITE 201 D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.26% |
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 |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $101K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $101K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $62K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $62K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $62K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.