| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 3.07% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 2.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC. | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 15.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $809 | $0 | $809 | 4.12% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID, JOEL | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $610 | $29 | $639 | 3.26% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $257 | $28 | $285 | 1.45% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $257 | $0 | $257 | 1.31% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | UNUM LIFE NSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 0.22% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 305 | $1.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $43K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $43K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $43K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.