| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | COMMUNITY INSURANCE COMPANY | $21K | $0 | $21K | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | COMMUNITY INSURANCE COMPANY | $20K | $0 | $20K | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | COMMUNITY INSURANCE COMPANY | $0 | $930 | $930 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.95% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESS LINK, LLC | 4200 ROCKSIDE ROAD, SUITE 103 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | ANTHEM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.19% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESS LINK, LLC | 4200 ROCKSIDE ROAD, SUITE 103 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.46% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 146 | $1.4M |
| Dental | COMMUNITY INSURANCE COMPANY | 146 | $1.4M |
| Vision | COMMUNITY INSURANCE COMPANY | 146 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 133 | $117K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 133 | $117K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 146 | $1.4M |
| Other(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 146 | $1.5M |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.