| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 204 CATOCTIN CIRLE SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS ROAD LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD CLEARWATER, FL 33759 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.91% |
| DARIO A. CAMPOLATTARO3 | 540 FORT EVANS ROAD, SUITE 301 LEESBURG, VA 20176 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.86% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 7 | $103K |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 7 | $103K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $166K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.