| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $88K | $109K | $197K | 5.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $610 | $610 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.99% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $3.5M |
| Dental | STANDARD INSURANCE COMPANY | 352 | $200K |
| Vision | STANDARD INSURANCE COMPANY | 670 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 433 | $141K |
| Short-term disability | STANDARD INSURANCE COMPANY | 240 | $94K |
| Long-term disability | STANDARD INSURANCE COMPANY | 433 | $93K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 433 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.