| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN/BEECHER CARLSON HOLDI | — | COMPANION LIFE INSURANCE COMPANY | $26K | $0 | $26K | 9.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 3001 EMERICK BLVD STE 120 BETHLEHEM, PA 18020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 15.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LEHIGH VALLEY LP | 3001 EMERICK BLVD STE 120 BETHLEHEM, PA 18020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 3001 EMERICK BLVD STE 120 BETHLEHEM, PA 18020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $814 | $4K | 15.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LEHIGH VALLEY LP | 3001 EMERICK BLVD STE 120 BETHLEHEM, PA 18020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $655 | $0 | $655 | 2.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 3001 EMERICK BLVD STE 120 BETHLEHEM, PA 18020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $424 | $2K | 15.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LEHIGH VALLEY LP | 3001 EMERICK BLVD STE 120 BETHLEHEM, PA 18020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $347 | $0 | $347 | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3001 EMRICK BLVD STE 120 BETHLEHEM, PA 18020 | GUARDIAN | $0 | $184 | $184 | 2.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $0 |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 119 | $8K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 213 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $45K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 0 | $269K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.