| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HEALTH OPTIONS | $22K | — | $22K | 5.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1819 MAIN ST. STE 510 SARASOTA, FL 342365975 | HEALTH OPTIONS | $5K | — | $5K | 1.23% |
| DAVIDSON, ROBERT D3 | 14675 MIDWAY RD STE 221 ADDISON, TX 750014995 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 11.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 240 S. PINEAPPLE AVE SUITE 301 SARASOTA, FL 342363707 | HUMANA INSURANCE COMPANY | $370 | — | $370 | 2.75% |
| DAVIDSON, ROBERT D3 | 14675 MIDWAY RD STE 221 ADDISON, TX 750014995 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 12.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 240 S PINEAPPLE AVE STE 301 SARASOTA, FL 342363707 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $180 | — | $180 | 2.84% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 125 | $381K |
| Dental | HUMANA INSURANCE COMPANY | 79 | $13K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $6K |
| Prescription drug | HEALTH OPTIONS | 125 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.