| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTRIAL DRIVE LOUISVILLE, KY 40223 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $43K | $0 | $43K | 1.88% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL STREET NATICK, MA 01760 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $38K | $0 | $38K | 1.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | 13101 MAGISTRIAL DRIVE LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | $11K | $28K | 13.83% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP | 233 WEST CENTRAL GROUP NATICK, MA 01760 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.31% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.08% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 524 | $2.3M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 524 | $2.3M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 524 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 171 | $288K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 171 | $200K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 171 | $200K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 524 | $2.3M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 75 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.