| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $861 | $9K | 11.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | $0 | $717 | 4.44% |
| MORGAN STRONG3 Filed as: MORGAN A. STRONG | 2754 MICHIGAN AVENUE, SUITE 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | $0 | $313 | 1.94% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRVLE ORLANDO, FL 32825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | $0 | $200 | 1.24% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINT DRIVE ORLANDO, FL 32837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.51% |
| CHASSE LYNN GREENE3 Filed as: CHASSE L. GREENE | 2754 MICHIGAN AVENUE, SUITE 1 KISSIMMEE, FL 34744 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.35% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 97 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 97 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $48K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.