| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $29K | $29K | 4.59% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 1800 PEMBROOK DRIVE, SUITE 360 ORLANDO, FL 32810 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.34% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 1800 PEMBROOK DRIVE, SUITE 360 ORLANDO, FL 32810 | VISION SERVICE PLAN | $578 | $0 | $578 | 0.86% |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $625K |
| Vision | VISION SERVICE PLAN | 385 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $625K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $625K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $625K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.