| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $0 | $50K | 13.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3201 CHERRY RIDGE DRIVE, SUITE D405 SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 83 NORTH PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.66% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5738 FOREMOST DRIVE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 140 FOUNTAIN PARKWAY NORTH SUITE 600 ST. PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 9.86% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $367K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 66 | $41K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 66 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $64K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.