| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT F FITZPATRICK3 | 55 CAPITAL BLVD STE102 ROCK HILL, CT 06067 | UNITED HEALTH CARE INSURANCE COMPANY | $7K | — | $7K | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD STE 102 ROCK HILL, CT 06067 | UNITED HEALTH CARE INSURANCE COMPANY | $5K | — | $5K | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 55 CAPITAL BOULEVARD ROCKY HILL, CT 06067 | CIGNA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUGARMAN & SUSSKIND PA NONE | Legal Service code 29 | 100 MIRACLE MILE CORAL GABLES, FL 33134 | $48K |
| NEBA INC NONE | Plan Administrator Service code 14 | 2010 NW 150TH AVE., STE. PEMBROKE PINES, FL 33028 | $41K |
| BROWN & BROWN CONSULTING NONE | Consulting (general) Service code 16 | 2005 MARKET-FRANKFORD LIN PHILADELPHIA, PA 19103 | $30K |
| ATALANTA NONE | Investment management Service code 28 | 6849 CAVIRO LN CORAL SPRINGS, FL 33071 | $12K |
| LOCAL UNION 719 NONE | Contract Administrator Service code 13 | 2502 S ANDREWS AVENUE FORT LAUDERDALE, FL 33316 | $12K |
| KSDT & CO, LLC. EIN 26-0547877 NONE | Accounting (including auditing) Service code 10 | 1625 N COMMERCE PKWY 315 WESTON, FL 33326 | $8K |
| PENSION FUND EVALUATION, INC. NONE | Investment advisory (plan) Service code 27 | 2450 MIDDLE COUNTRY ROAD CENTERREACH, NY 11720 | $8K |
| SALEM TRUST COMPANY NONE | Investment management Service code 28 | 455 FAIR DRIVE, SUITE 103 DEERFIELD BEACH, FL 33441 | $6K |
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 | 221 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 427 | $2.3M |
| Dental | CIGNA | 148 | $0 |
| Vision | NEIGHBORHOOD HEALTH PARTNERSHIP | 339 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.