| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 170 S INDEPENDENCE MALL W APT 805 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 170 S INDEPENDENCE MALL W APT 805 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 170 S INDEPENDENCE MALL W APT 805 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $771 | $771 | 5.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM STREET, STE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 170 S INDEPENDENCE MALL W APT 805 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $558 | $558 | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | EYEMED | $903 | $0 | $903 | 8.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF PENNSYLVANIA BROKER | Insurance agents and brokers Service code 22 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | $8K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | -$4K |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $60K |
| Vision | EYEMED | 180 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $115K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $30K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 216 | $498K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.