| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| CORPORATE INSURANCE CONSULTANTS LLC3 | 1891 RIVER OAKS ROAD WILLIAMSBURG, VA 23185 | TRANSAMERICA LIFE INSURANCE COMPANY | $478 | — | $478 | 0.41% |
| MARC C ABRAHMS3 | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | TRANSAMERICA LIFE INSURANCE COMPANY | $137 | — | $137 | 0.12% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | TRANSAMERICA LIFE INSURANCE COMPANY | $108 | — | $108 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | TRANSAMERICA LIFE INSURANCE COMPANY | $70 | — | $70 | 0.06% |
| MICHAEL KROPP3 | 1908 READING COURT MOUNT AIRY, MD 21771 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.01% |
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 | 5,255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 5,563 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,393 | $252K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,299 | $3.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 5,299 | $3.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,299 | $3.1M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,383 | $1.2M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 5,299 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,393 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.