| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 E AVENUE ROCHESTER, NY 14604 | CIGNA HEALTH & LIFE INSURANCE CO | $56K | — | $56K | 5.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | CIGNA HEALTH & LIFE INSURANCE CO | $35K | — | $35K | 3.56% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | CIGNA HEALTH & LIFE INSURANCE CO | $1K | — | $1K | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.69% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $896 | — | $896 | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 13.76% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $581 | — | $581 | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.74% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $491 | — | $491 | 1.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $562 | — | $562 | 13.75% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | — | $52 | 1.27% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE CO | 469 | $976K |
| Vision | CIGNA HEALTH & LIFE INSURANCE CO | 469 | $976K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $39K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE CO | 469 | $976K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.