| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL PLANTATION | 1201 WEST CYPRESS CREEK ROAD SUITE 130 FORT LAUDERDALE, FL 33309 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.29% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES INC | 10446 NW 31ST TERRACE DORAL, FL 33172 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6707 GESSNER ROAD HOUSTON, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.43% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT SERVICES INC | 10446 NW 31ST TERRACE FLOOR 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1000 SOUTH PINE ISLAND ROAD PLANTATION, FL 33324 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.25% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $1K | $1K | 9.90% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $539 | $539 | 5.20% |
| HR BENEFITS SERVICE INC3 | 10446 NORTHWEST 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $428 | — | $428 | 4.13% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $190 | — | $190 | 1.83% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $373K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $83K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $83K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.