| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-PINELLAS | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | HUMANA MEDICAL PLAN, INC. | $23K | — | $23K | 4.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-PINELLAS | 83 NORTH PARK PLACE BOULEVARD #101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $3K | $299 | $3K | 11.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC-CLEARWAT | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | — | $711 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VA. INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $447 | $447 | 6.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC-CLEARWAT | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $679 | — | $679 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $450 | $450 | 6.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC-PINELLAS | 83 NORTH PARK PLACE BOULEVARD #101 CLEARWATER, FL 33759 | COMPBENEFITS COMPANY | $590 | $214 | $804 | 13.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC-CLEARWAT | 240 SOUTH PINEAPPLE AVENUE SUITE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $866 | — | $866 | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VA. INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 7.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | — | $402 | 12.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $397 | — | $397 | 20.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | — | $275 | 19.96% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 55 | $484K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 43 | $31K |
| Vision | HUMANA INSURANCE COMPANY | 43 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 14 | $7K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.