| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 25.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO INC. | UNKNOWN HOLMDEL, NJ 07733 | MDLIVE | $5K | $0 | $5K | 13.21% |
| DENNIS THOMPSON3 | UNKNOWN HOLMDEL, NJ 07733 | MDLIVE | $5K | $0 | $5K | 12.50% |
| TELEMED BENEFITS3 | UNKNOWN HOLMDEL, NJ 07733 | MDLIVE | $439 | $0 | $439 | 1.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | ALPHA DENTAL PROGRAMS, INC. | $1K | $0 | $1K | 3.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO INC. | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $280 | $6K | 15.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO INC. | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $475 | $0 | $475 | 4.10% |
| ROBERT ALLEN HARNED3 | 614 POMEGRANATE PLACE FORT MILL, SC 29708 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 1.00% |
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 | 633 | 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) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MDLIVE | 1,374 | $40K |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 156 | $39K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 633 | $151K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 633 | $114K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 633 | $114K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 633 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,374 | — |
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.