| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 2600 LAKE LUCIEN DR STE 330 MAITLAND, FL 327517234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICE OF GA, INC | CONCOURS CORP CTR FIVE 18 FL ATLANTA, GA 303283496 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 2600 LAKE LUCIEN DR. STE 330 MAITLAND, FL 327517234 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $2K | $4K | 10.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA, INC | CONCOURS CORP CTR FIVE 18TH AVE ATLANTA, GA 303283496 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 6.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 2600 LAKE LUCIEN DR STE 330 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $465 | $5K | 17.14% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMPSON CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $286 | $2K | 7.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH OPTIONS EIN 59-2403696 NONE | Contract Administrator Service code 13 | — | $154K |
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $106K |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $129K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 430 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.