| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD SUITE 100-100 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 4.02% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $1K | $15K | 11.68% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.30% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $139 | $2K | 3.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | PO BOX 745897 ATLANTA, GA 30374 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.48% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $264 | $0 | $264 | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | UNUM INSURANCE COMPANY | $762 | $53 | $815 | 14.38% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NC INC | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | UNUM INSURANCE COMPANY | $215 | $0 | $215 | 3.79% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 145 | $129K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 117 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $56K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $56K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.