| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 3.99% |
| INSURANCE OFFICE OF AMERICA3 | 2201 SE 30TH AVENUE, SUITE 101 OCALA, FL 34471 | UNITEDHEALTHCARE INSURANCE COMPANY | $464 | $0 | $464 | 0.05% |
| JILLIAN DOERFLER3 Filed as: JILLIAN M. DOERFLER | 613 SELKIRK DRIVE WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 24.70% |
| ASSUREDPARTNERS3 Filed as: STEPHANIE J. SHEPHERD | 392 CORAL BEACH CIRCLE CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.42% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.37% |
| YVONNE PABON3 | 2841 CLIPPER COVE LANE KISSIMMEE, FL 34741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.97% |
| MELISSA CASTRO3 Filed as: MELISSA I. CASTRO | 4954 SIESTA OAK LOOP WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.40% |
| STEVEN J PERRY3 Filed as: STEVEN J. PERRY | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $822 | $0 | $822 | 1.15% |
| WHITNEY C RUSSELL3 Filed as: WHITNEY C. RUSSELL | 2765 WINDSOR GATE LANE ORLANDO, FL 32828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | $0 | $602 | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 19.36% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.58% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $936K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $936K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $936K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $41K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $936K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 132 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.