| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF FL INC. | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.60% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1200 N. MAYFAIR RD. SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $778 | $778 | 1.80% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF FL- TALLAHASSEE | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.72% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $51 | $2K | 10.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N. BEACH ST. DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $315 | $315 | 1.55% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $2.2M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $103K |
| BROWN AND BROWN INSURANCE EIN 59-0691921 BROKER | Other commissions Service code 55 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | $42K |
| BROWN AND BROWN OF FL INC. EIN 59-0691921 BROKER | Other commissions Service code 55 | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | $14K |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 19 | $20K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 656 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 19 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $43K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 0 | $262K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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."
No prospect flags tripped on this filing.