| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 9617 GULF RESEARCH LANE, SUITE 202 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 4.85% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SLTNS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | STANDARD INSURANCE COMPANY | $3K | $5K | $8K | 4.55% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY, INC. | 595 STEWART AVENUE, SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 2.28% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC, INC. | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 9617 GULF RESEARCH LANE, SUITE 202 FORT MYERS, FL 33912 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 9.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $208 | $208 | 0.48% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 9617 GULF RESEARCH LANE, SUITE 202 FORT MYERS, MA 33912 | VISION SERVICE PLAN | $751 | $0 | $751 | 6.90% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SLTONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $602 | — | $602 | 5.53% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 71 | $44K |
| Vision | VISION SERVICE PLAN | 65 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $180K |
| Short-term disability | STANDARD INSURANCE COMPANY | 120 | $180K |
| Long-term disability | STANDARD INSURANCE COMPANY | 120 | $180K |
| Other | STANDARD INSURANCE COMPANY | 120 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.