| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIAN WAY STE 400 MAITLAND, FL 327517058 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 11.27% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 3.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL MAITLAND | 2290 LUCIEN WAY STE 400 MAITLAND, FL 327517058 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 7.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 201097912 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 3.75% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES - NEW YORK | METRO 1212 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 100361624 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY # 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 1.89% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $254K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $254K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $404K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $404K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $404K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.