| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD STE 102 ROCKY HILL, CT 06067 | UNITED HEALTHCARE INSURANCE CO. | $131K | — | $131K | 0.44% |
| ROBERT F FITZPATRICK3 Filed as: ROBERT FITZPATRICK | 55 CAPITAL BLVD STE 102 ROCKY HILL, CT 06067 | UNITED HEALTHCARE INSURANCE CO. | $3K | — | $3K | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL EMPLOYEE BENEFITS ADMIN EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $630K |
| BROWN & BROWN EIN 59-0864469 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $78K |
| SUGARMAN & SUSSKIND PA EIN 59-2539792 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 28 | — | $36K |
| LAPADULA CARLSON & CO EIN 65-0292391 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $31K |
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 | 3,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO. | 6,562 | $29.7M |
| Dental | UNITED HEALTHCARE INSURANCE CO. | 6,562 | $0 |
| Life insurance | UNITED HEALTHCARE INSURANCE CO. | 6,562 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,562 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.