| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $1K | $32K | 13.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $301 | $6K | 10.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 18.83% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $407 | $2K | 18.87% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $840 | $840 | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $461 | $1K | 14.54% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $507 | $507 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $306 | $1K | 18.92% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $624 | $624 | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $400 | $2K | 20.25% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $610 | $610 | 8.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $2K | — | $2K | 26.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $798 | — | $798 | 12.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | $292 | $861 | 15.14% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $284 | $284 | 4.99% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $237K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $54K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $54K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $8K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.