| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2290 LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERIVCES | PO BOX 748422 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 2.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 450 COUNTRY CLUB ROAD SUITE 340 EUGENE, OR 97401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF INDIANA | $17K | $4K | $21K | 7.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 16000 NORTH DALLAS PARKWAY SUITE 850 DALLAS, TX 75248 | DELTA DENTAL OF INDIANA | $9K | — | $9K | 3.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 8.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERIVCES INC | 450 COUNTRY CLUB ROAD SUITE 340 EUGENE, OR 97401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.19% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON MEDICAL SOLUTIONS | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 748422 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.40% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 734 | $263K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $137K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 461 | $290K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 461 | $290K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 461 | $290K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 362 | $1.0M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 461 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.