| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIAN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $32K | $36K | 5.64% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $590 | $3K | $4K | 0.58% |
| CHASSE LYNN GREENE3 Filed as: CHASSE L. GREENE | 1735 BARCELONA WAY WINTER PARK, FL 32789 | AFLAC | $3K | $40 | $3K | 9.78% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | AFLAC | $2K | $54 | $2K | 6.38% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $707 | $15 | $722 | 2.36% |
| MIGDELYS PINERO3 | 1625 SOUTH KIRKMAN ROAD APARTMENT 920 ORLANDO, FL 32811 | AFLAC | $597 | $0 | $597 | 1.95% |
| PATRICIA ANNE REILLY3 | 269 EAST LONG CREEK COVE LONGWOOD, FL 32750 | AFLAC | $191 | $0 | $191 | 0.62% |
| CHRISTOPHER HIGGINS3 Filed as: CHRISTOPHER HIGGINS AND AGENTS | 2030 UMBRELLA TREE DRIVE EDGEWATER, FL 32141 | AFLAC | $82 | $5 | $87 | 0.28% |
| MARIA V. LANZA3 | 10197 ANDOVER POINT CIRCLE ORLANDO, FL 32825 | AFLAC | $42 | $0 | $42 | 0.14% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $647K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $647K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $647K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $647K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $647K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 422 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.