| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN DAYTONA BEACH | 220 S. RIDGEWOOD AVENUE STE 500 DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 7.77% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN FL DAYTONA BEACH | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $456 | $456 | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. STE 300 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR. STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $375 | $375 | 2.62% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 390 | $905K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 561 | $23K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $117K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $117K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 390 | $905K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.