| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | COMMUNITY INSURANCE COMPANY | $35K | $2K | $37K | 3.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | COMMUNITY INSURANCE COMPANY | $0 | $721 | $721 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | PARAMOUNT DENTAL | $5K | $0 | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OHIO, INC. | 360 THREE MEADOWS DRIVE PERRYSBURG, OH 43551 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.24% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | ANTHEM LIFE INSURANCE COMPANY | $224 | $0 | $224 | 1.70% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 175 | $1.2M |
| Dental | PARAMOUNT DENTAL | 227 | $45K |
| Vision | COMMUNITY INSURANCE COMPANY | 175 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 167 | $13K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 175 | $1.2M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 167 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.