| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PL BLVD STE 101 CLEARWATER, FL 33759 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 PARK PL BLVD STE 101 CLEARWATER, FL 33759 | HEALTH OPTIONS | $19K | — | $19K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 83 N PARK PL BLVD #101 CLEARWATER, FL 33759 | HUMANA INSURANCE COMPANY | $4K | $1K | $5K | 11.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC | 240 S PINEAPPLE AVE STE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC | 240 S PINEAPPLE AVE STE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC | 240 S PINEAPPLE AVE SUITE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $926 | $926 | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 83 N PARK BLVD #101 CLEARWATER, FL 33759 | COMPBENEFITS COMPANY | $431 | $231 | $662 | 14.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL INC | 240 S PINEAPPLE AVE SUITE 301 SARASOTA, FL 34236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $190 | — | $190 | 9.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $111 | $111 | 5.83% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 52 | $949K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 57 | $45K |
| Vision | HUMANA INSURANCE COMPANY | 57 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 52 | $949K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.