| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO, LLC | 360 3 MEADOWS DR. PERRYSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 17.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO, LLC | 360 3 MEADOWS DR. PERRYSBURG, OH 435513138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $8K | $14K | 9.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO, LLC | 360 3 MEADOWS DR PERRYSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO, LLC | 360 3 MEADOWS DR PERRYSBURG, OH 43551 | VISION SERVICE PLAN | $2K | — | $2K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OHIO, LLC | 360 3 MEADOWS DR PERRYSBURG, OH 43551 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.05% |
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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 354 | $40K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $192K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $68K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.