| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | COMMUNITY INSURANCE COMPANY | $41K | $2K | $42K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF | VA, INC. 8570 MAGELLAN PARKWAY STE. 1100 RICHMOND, VA 23227 | COMMUNITY INSURANCE COMPANY | — | $182 | $182 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 6.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 435513138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $958 | $5K | 18.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | THREE MEADOWS DRIVE PERRYSBURG, OH 435513138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $794 | $5K | 17.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 435513138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $600 | $3K | 18.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO LLC | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | ANTHEM LIFE INSURANCE COMPANY | $935 | — | $935 | 10.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | OF VA, INC. 8570 MAGELLAN PARKWAY STE. 1100 RICHMOND, VA 23227 | ANTHEM LIFE INSURANCE COMPANY | — | $481 | $481 | 5.59% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 148 | $1.3M |
| Dental | COMMUNITY INSURANCE COMPANY | 123 | $70K |
| Vision | COMMUNITY INSURANCE COMPANY | 148 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.