| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 | 11 SCOTT STREET, SUITE 100 WAUSAU, WI 544034808 | TOKIO MARINE | $2K | — | $2K | 0.57% |
| UMR, INC.5 Filed as: UMR | 4170 ASHFORD DUNWOODY RD NE STE 100 ATLANTA, GA 303191457 | TOKIO MARINE | $639 | — | $639 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 323093435 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD SUITE 130 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INS CO OF AMERICA | $24K | — | $24K | 16.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | — | THE GUARDIAN LIFE INS CO OF AMERICA | $1K | $5K | $6K | 4.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $136K |
| BROWN & BROWN OF FLORIDA INC EIN 59-0691921 BROKER | Other commissions Service code 55 | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | $76K |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INS CO OF AMERICA | 244 | $145K |
| Vision | THE GUARDIAN LIFE INS CO OF AMERICA | 244 | $145K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $163K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $163K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $163K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 243 | $287K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.