| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 173086 TAMPA, FL 33672 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 16.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $503 | $3K | 6.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $491 | — | $491 | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $791 | $7K | 15.68% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $395 | $3K | 5.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $491 | — | $491 | 1.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $794 | $7K | 15.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $397 | $3K | 5.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $386 | — | $386 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $406 | $4K | 20.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $975 | $203 | $1K | 6.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $235 | — | $235 | 1.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $404 | $4K | 20.77% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $928 | $202 | $1K | 6.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $261 | — | $261 | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $341 | $3K | 16.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $846 | $171 | $1K | 6.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | — | $156 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $836 | $131 | $967 | 17.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $279 | $65 | $344 | 6.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $742 | $110 | $852 | 16.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $266 | $55 | $321 | 6.04% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55 | — | $55 | 1.04% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $1.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 85 | $60K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 85 | $60K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $49K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $50K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
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.