| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL FORT LAUDERDALE | 1201 W CYPRESS CREEK RD STE 130 STE 130 FORT LAUDERDALE, FL 33309 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $58K | $65K | 6.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745921 ATLANTA, GA 30374 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 9.71% |
| PLATINUM ENROLLMENT SOLUTIONS3 | 7100 FOUNDRY ROW STE 288-53 LIBERTY TOWNSHIP, OH 45069 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $969 | $969 | 1.08% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | -$6 | -$6 | -0.01% |
| ACRISURE LLC3 | 18459 PINES BLVD #220 PEMBROKE PINES, FL 33029 | HARTFORD LIFE AND ACCIDENT | -$49 | — | -$49 | -0.05% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.83% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: BRUCE SILVERSTEIN | 18459 PINES BLVD STE 220 PEMBROKE PINES, FL 33029 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $55 | — | $55 | 0.16% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 250 | $1.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 250 | $1.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 250 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $90K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $90K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $90K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.