| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 19.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 23.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $732 | $0 | $732 | 4.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 11.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 11.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $755 | $0 | $755 | 11.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 66.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $147 | $0 | $147 | 4.78% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $58K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $46K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $83K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $80K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 72 | $83K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 72 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.