| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 15.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 6.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 3.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $84K |
| BROWN & BROWN (VA) EIN 54-2011471 BROKER | Insurance agents and brokers Service code 22 | — | $64K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $10K |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $151K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $151K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $171K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $171K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $171K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 141 | $423K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.