| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 3520 THOMASVILLE RD SUITE 500 STE 1800 TALLAHASSEE, FL 32309 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $61K | $68K | 2.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 84859 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $43K | $46K | 1.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N. PARK DR. STE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 12485 28TH ST N. FL 2 ST. PETERSBURG, FL 31891 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 5.86% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | TRANSAMERICA LIFE INSURANCE COMPANY | $652 | — | $652 | 6.73% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $239 | — | $239 | 2.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | TRANSAMERICA LIFE INSURANCE COMPANY | $220 | — | $220 | 2.27% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITS SPECIALISTS, LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $98 | — | $98 | 1.01% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $2.4M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $263K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $263K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 235 | $263K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 406 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.