| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | MEDICAL MUTUAL | $17K | $1 | $17K | 3.66% |
| BENJAMIN A. GOFF3 | 8654 PLUM HOLLOW POINT HOLLAND, OH 43528 | PRIORITY HEALTH | $13K | $0 | $13K | 3.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 14.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.37% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $112 | $0 | $112 | 0.51% |
| ASSUREDPARTNERS3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.61% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 199 | $845K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $104K |
| Vision | VISION SERVICE PLAN | 113 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $104K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL | 199 | $845K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.