| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $4K | $60K | 8.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 6.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $3K | $29K | 5.82% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 4.69% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | — | $41K | 10.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 9.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $2K | $20K | 5.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 4.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 5.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | 83 PARK PLACE BOULEVARD CLEARWATER, FL 33759 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 4.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA | $4K | — | $4K | 5.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | 83 PARK PLACE BOULEVARD CLEARWATER, FL 33759 | CIGNA DENTAL HEALTH OF FLORIDA | $3K | — | $3K | 4.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $359 | $6K | 8.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.56% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNDENNC | $880 | — | $880 | 5.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PINELLAS) | 83 PARK PLACE BOULEVARD CLEARWATER, FL 33759 | CIGNDENNC | $635 | — | $635 | 4.08% |
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 | 2,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,402 | $189K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,898 | $698K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,186 | $507K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,779 | $349K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,402 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,402 | — |
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.