| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CT, INC. | 55 CAPITAL BOULEVARD ROCK HILL, CT 06067 | THE UNION LABOR LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Other services; Direct payment from the plan; Contract Administrator; Employee (plan); Claims processing Service code 12 | — | $617K |
| NATIONAL EMPLOYEE BENEFIT ADMIN EIN 65-0498809 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $283K |
| GAMCO INVESTMENTS INC. NONE | Direct payment from the plan; Investment management Service code 28 | — | $63K |
| ARNALL GOLDEN GREGORY LLP EIN 58-0543673 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| LAPADULA CARLSON + CO. EIN 65-0292391 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| WEDGE CAPITAL MANAGEMENT LLP EIN 56-1557450 NONE | Direct payment from the plan; Investment management Service code 28 | — | $30K |
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 | 825 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE INSURANCE | 800 | $31K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 828 | $138K |
| Long-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 828 | $138K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 828 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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.