| 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. | $19K | — | $19K | 4.96% |
| 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 | $2K | $598 | $3K | 12.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NORTHWEST 21ST TERRACE DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $734 | $279 | $1K | 13.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NORTHWEST 21ST TERRACE DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $938 | $237 | $1K | 18.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NORTHWEST 21ST TERRACE DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $580 | $251 | $831 | 14.34% |
| 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 | $480 | $452 | $932 | 19.44% |
| 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 | $743 | — | $743 | 19.99% |
| 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 | $435 | — | $435 | 12.49% |
| 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 | $280 | — | $280 | 19.44% |
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 | 62 | 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) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 44 | $388K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 39 | $26K |
| Vision | HUMANA INSURANCE COMPANY | 39 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 11 | $6K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.