| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $126K | — | $126K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | — | $59K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | — | $40K | 23.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 19.37% |
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 | 2,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $840K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,190 | $314K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,190 | $392K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 4,410 | $97K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,410 | — |
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.