| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRI JAMES3 | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 33309 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $72K | — | $72K | 2.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1661 WORTHINGTON AVE STE 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $675 | $3K | 19.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $494 | $3K | 18.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1201 W CYPRESS CREEK RD STE 130 FT. LAUDERDALE, FL 333091906 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $725 | $2K | 21.27% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 296 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 127 | $147K |
| Vision | STANDARD INSURANCE COMPANY | 127 | $147K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 296 | $2.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.