| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 402225168 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 3.75% |
| EVERETT INSURANCE AGENCY, INC. Filed as: EVERETT INSURANCE AGENCY | 1913 EAST 17TH ST #214 SANTA ANA, CA 92705 | CALIFORNIACHOICE | $19K | $0 | $19K | 5.00% |
| MJ INSURANCE Filed as: MJ INSURANCE INC | 571 MONON BLVD SUITE 400 CARMEL, IN 46563 | GUARDIAN | $27K | $0 | $27K | — |
| STEELE INSURANCE & FINANCIAL SERVIC | 11 MONTIF BLVD BROWNSBURG, IN 46122 | GUARDIAN | $6K | $0 | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MJ INSURANCE INC EIN 35-1109367 BROKER | Other commissions Service code 55 | 571 MONON BLVD SUITE 400 CARMEL, IN 46563 | $40K |
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 | 438 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $479K |
| Dental | GUARDIAN | 0 | $0 |
| Vision | GUARDIAN | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.