| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN AGENCY OF VIRGINIA IN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.15% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 29.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANNASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $149 | $5K | 27.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP STE 304 MANNASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $587 | $0 | $587 | 3.17% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 29.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANNASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $148 | $5K | 27.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP STE 304 MANNASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $539 | $0 | $539 | 2.97% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 30.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANNASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $140 | $5K | 27.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP STE 304 MANNASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $692 | $0 | $692 | 3.97% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $226K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $172K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $48K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.