| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | $3K | $61K | 10.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWNOF FLORIDA, INC. | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $8K | $28K | 13.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 NORTH PARK PLACE BOUEVARD SUITE 101 CLEARWATER, FL 33759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 29.89% |
| CHASE LYNN GREENE3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.97% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.69% |
| SARAH E NUNZIATO3 Filed as: SARAH E. NUNZIATO | 98 GREEN FOREST DRIVE ORMOND BEACH, FL 32174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.32% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | $0 | $457 | 0.92% |
| GLENN HARLAN ROSE AND OTHER AGENTS3 | 605 CELITO DRIVE NEW SMYRNA BEACH, FL 32168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | $0 | $280 | 0.56% |
| JEFFREY BRET HAWKINS3 | 4667 SECRET RIVER TERRACE PORT ORANGE, FL 32129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | $0 | $156 | 0.31% |
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 545 | $583K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 545 | $583K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $202K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
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.