| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $92K | $94K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | UNITEDHEALTHCARE INSURANCE COMPANY | $10 | $16K | $16K | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $702 | $702 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 8.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $175 | $4K | 6.73% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | $3K | $4K | 8.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $632 | $1K | $2K | 4.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $668 | $3K | 16.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $586 | $1K | $2K | 10.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $548 | $937 | $1K | 10.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $958 | $481 | $1K | 10.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $929 | $929 | 6.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $373 | $1K | 17.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | $583 | $904 | 10.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $637 | $637 | 7.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1301 WEST 22ND STREET SUITE 600 HINSDALE, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | $309 | $1K | 17.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216 | $476 | $692 | 9.73% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $516 | $516 | 7.26% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 353 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 353 | $2.1M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $36K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
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.