| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | ANTHEM INSURANCE COMPANIES, INC. | $19K | $0 | $19K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANIES, INC. | $19K | $0 | $19K | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INDIANA CARMEL | 11711 NORTH MERIDIAN STREET SUITE 100 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF INDIANA | $3K | $0 | $3K | 2.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA, LLC | 11555 NORTH MERIDIAN STREET SUITE 220 CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $3K | $0 | $3K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF INDIANA | $2K | $0 | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $827 | $5K | 11.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 11711 NORTH MERIDIAN STREET SUITE 100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $297 | $5K | 10.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $481 | $0 | $481 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $193 | $92 | $285 | 5.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 11595 NORTH MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | METROPOLITAN GENERAL INSURANCE COMPANY | $248 | $0 | $248 | 5.11% |
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 | 580 | 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) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 276 | $2.0M |
| Dental | DELTA DENTAL OF INDIANA | 410 | $108K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $184K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $184K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $184K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $184K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 276 | $2.0M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.