| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | UNKNOWN CONSHOHOCKEN, PA 19428 | EQUITFINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 9.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN INS SERVICES INC | UNKNOWN TAMPA, FL 33602 | EQUITFINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.32% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER ASSOCIATES INSURANCE | UNKNOWN SOUDERTON, PA 18964 | EQUITFINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | 12 EAST STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.73% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS INC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN DBA ALPHA BENEFITS | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $2K | $0 | $2K | 7.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $543 | $0 | $543 | 2.50% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $71K |
| Vision | EYEMED VISION CARE | 309 | $22K |
| Life insurance(2 contracts, 2 carriers) | EQUITFINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 277 | $312K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $88K |
| Long-term disability(2 contracts, 2 carriers) | EQUITFINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 277 | $312K |
| Other(2 contracts, 2 carriers) | EQUITFINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 277 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.