| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 5.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | -$27 | $0 | -$27 | -0.00% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BOULEVARD SUITE 500 LONG BEACH, CA 90807 | UNITEDHEALTHCARE INSURANCE COMPANY | -$50 | $0 | -$50 | -0.01% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC. | 3737 EAGLEFLIGHT LANE LAND O LAKES, TX 34639 | UNITEDHEALTHCARE INSURANCE COMPANY | -$100 | $0 | -$100 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 11.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.27% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $175 | $175 | 0.12% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $627K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $627K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.