| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | — | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | $1 | $7K | 9.97% |
| PSA FINANCIAL, INC.3 | STE 500, 11311 MCCORMICK RD HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $765 | $3K | 11.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3001 EMRICK BLVD BETHLEHEM, PA 18020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.76% |
| PSA FINANCIAL, INC.3 | STE 500, 11311 MCCORMICK RD HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $721 | $3K | 11.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3001 EMRICK BLVD. BETHLEHEM, PA 18020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.68% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 143 | $1.5M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 292 | $75K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $29K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 143 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.