| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHOENIX INSURANCE GROUP, INC.5 Filed as: PHOENIX ADMINISTRATORS | DBA PERFORMANCE HEALTH PO BOX 450978 WESTLAKE, OH 44145 | GERBER LIFE INSURANCE | — | $110K | $110K | 16.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | GERBER LIFE INSURANCE | — | $96K | $96K | 14.50% |
| S&S HEALTHCARE5 | 1385 KEMPER MEADOW DR CINCINNATI, OH 45240 | GERBER LIFE INSURANCE | — | $45K | $45K | 6.82% |
| DELPHI OF FLORIDA5 | 3001 EXECUTIVE DR STE 300 ST PETERSBURG, FL 33762 | GERBER LIFE INSURANCE | — | $10K | $10K | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC-LOUISVILLE | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | HUMANADENTAL INSURANCE COMPANY | $4K | $1K | $5K | 3.30% |
| FIAI INC3 | PO BOX 1388 BANGOR, ME 04402 | HUMANADENTAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC-LOUISVILLE | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 22.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC-LOUISVILLE | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $3K | $221 | $3K | 9.69% |
| FIAI INC3 | PO BOX 1388 BANGOR, ME 04402 | HUMANA INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 11714 MAIN ST STE A MIDDLETOWN, KY 40243 | TRANSAMERICA LIFE INSURANCE COMPANY | $607 | — | $607 | 2.42% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 195 | $147K |
| Vision | HUMANA INSURANCE COMPANY | 176 | $29K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $50K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $50K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $50K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 641 | $663K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 454 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.