| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 333 S GARLAND AVE STE 1600 ORLANDO, FL 328013357 | HEALTH OPTIONS, INC. | $15K | — | $15K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1780 N KROME AVE HOMESTEAD, FL 33030 | HEALTH OPTIONS, INC. | $5K | — | $5K | 1.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 19.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $613 | — | $613 | 1.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $286 | — | $286 | 0.83% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $656 | $2K | 19.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $135 | — | $135 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | TRANSAMERICAN | $609 | — | $609 | 5.85% |
| WHIPPLE & COMPANY3 | 6100 GLADES RD, STE 310 BOCA RATON, FL 33434 | TRANSAMERICAN | $325 | — | $325 | 3.12% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICAN | $249 | — | $249 | 2.39% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE BOCA RATON, FL 33487 | TRANSAMERICAN | $124 | — | $124 | 1.19% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $554 | $2K | 18.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $230 | — | $230 | 2.57% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $510 | $315 | $825 | 14.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51 | — | $51 | 0.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $699 | $372 | $1K | 19.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $132 | — | $132 | 2.38% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $764 | $341 | $1K | 20.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54 | — | $54 | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | $382 | $1K | 21.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $61 | — | $61 | 1.19% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 54 | $496K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $34K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $17K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $62K |
| Prescription drug | HEALTH OPTIONS, INC. | 54 | $496K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.