| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP, STE 104 MANASSAS, VA 20109 | AMERITAS | $193K | $0 | $193K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | AMERITAS | $0 | $6K | $6K | 3.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 52-1187907 ADMIN | Claims processing Service code 12 | — | $92K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $48K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 ADMIN | Claims processing Service code 12 | — | $12K |
| PILLARRX ADMIN | Claims processing Service code 12 | 1839 LAKE ST BLVD ST LOUIS, MO 63367 | $4K |
| BROWN & BROWN INSURANCE AGENCY OF V BROKER | Insurance agents and brokers Service code 22 | 11220 ASSETT LOOP STE 104 MANASSAS, VA 20109 | -$3K |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 167 | $193K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 119 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $62K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 205 | $539K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.