| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL HOMESTEAD | 8825 NW 21ST TER DORAL, FL 33172 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $46K | $57K | 5.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | UNITED HEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.52% |
| FORTUN INSURANCE INC3 | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $4K | $5K | 0.50% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.55% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $7K | $7K | 15.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 14.99% |
| FORTUN INSURANCE INC3 | 365 PALERMO AVENUE CORAL GABLES, FL 33134 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $916 | $916 | 2.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $303 | $6K | 15.75% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $605 | — | $605 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $229 | $5K | 15.75% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INS INC | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $419 | — | $419 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 8825 NW 21ST TERRACE DORAL, FL 33172 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $163 | $3K | 15.77% |
| FORTUN INSURANCE INC3 Filed as: FORTUN INSURANCE AGENCY | 365 PALERMO AVE CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $344 | — | $344 | 1.59% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $31K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $52K |
| Other(4 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 241 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.