| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 7984 COOPER CREEK BOULEVARD UNIVERSITY PARK, FL 34201 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 4.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.86% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 8.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBUG, FL 33702 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.52% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 83 PARK PLACE BOULEVARD SUITE 101 CLEARWATER, FL 33759 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $644 | $3K | 26.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $484 | $257 | $741 | 7.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBUG, FL 33702 | METROPOLITAN LIFE INSURANCE COMPANY | $215 | $0 | $215 | 13.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | METROPOLITAN LIFE INSURANCE COMPANY | $207 | $0 | $207 | 13.43% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $104 | $104 | 6.75% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $685K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $42K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 102 | $22K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $42K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $42K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $685K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.