| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $128K | — | $128K | 25.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 901 NORTH ROAD STREET SUITE 200 ROME, GA 30161 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $28K | 13.10% |
| TRAYWICK, DENNIS3 | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 4.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $461 | $292 | $753 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 901 NORTH BROAD STREET SUITE 200 ROME, GU 30161 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $831 | $7K | 17.47% |
| TRAYWICK, DENNIS3 | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 901 NORTH BROAD STREET SUITE 200 ROME, GA 30161 | UNUM INSURANCE COMPANY | $11K | $333 | $11K | 34.70% |
| TRAYWICK, DENNIS3 | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM INSURANCE COMPANY | $11K | — | $11K | 33.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 901 NORTH BROAD STREET SUITE 200 ROME, GA 30161 | UNUM INSURANCE COMPANY | $6K | $249 | $6K | 25.76% |
| TRAYWICK, DENNIS3 | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM INSURANCE COMPANY | $6K | — | $6K | 24.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 901 NORTH BROAD STREET SUITE 200 ROME, GA 30161 | UNUM INSURANCE COMPANY | $6K | $227 | $6K | 28.25% |
| TRAYWICK, DENNIS3 | 1325 BLACK ROAD PROSPECT, TN 38477 | UNUM INSURANCE COMPANY | $6K | — | $6K | 27.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 6757.89% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $38 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $216K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $216K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $509K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.