| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 1800 PEMBROOK DRIVE, SUITE 360 ORLANDO, FL 32810 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $91K | $0 | $91K | 9.00% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 1800 PEMBROOK DRIVE, SUITE 360 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 9.44% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 8.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.55% |
| CHASSE LYNN GREENE3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.23% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERRPISES, INC. | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.84% |
| RUBEN ROSA3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | $0 | $603 | 0.47% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
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 | 1,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,163 | $1.0M |
| Vision | VISION SERVICE PLAN | 789 | $103K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,163 | $1.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,163 | $1.0M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,163 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,163 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.