| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 5.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 4.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $9K | $53K | 18.22% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.75% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN INSURANCE SVCS., INC | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.64% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.36% |
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 | 539 | 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) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $322K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $322K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $289K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $289K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.