| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL WPB | 1661 WORTHINGTON RD. SUITE 175 WEST PALM BEACH, FL 33409 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 3.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC IN INSURANCE BROKERAGE INC. | 160 FEDERAL ST. 2ND FLOOR BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 9350 S DIXIE HIGHWAY STE 1400 MIAMI, FL 33156 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1661 WORTHINGTON RD. STE 175 WEST PALM BEACH, FL 33409 | HARTFORD LIFE AND ACCIDENT | $546 | — | $546 | 9.75% |
| EMERSON REID LLC3 Filed as: EMERSON REIL LLC | 669 RIVER DR. CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $97 | $48 | $145 | 2.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $56 | $56 | 1.00% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 115 | $739K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 107 | $6K |
| Other | HARTFORD LIFE AND ACCIDENT | 107 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.