| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $68K | $81K | 4.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 321152480 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $744 | $744 | 0.04% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $21 | -$33 | -$12 | -0.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $69K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $69K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $69K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.