| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD STE 102 ROCKY HILL, CT 06067 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 0.23% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $3K | — | $3K | 11.76% |
| ASSURANCE AGENCY LTD5 Filed as: MEDICARE ASSURANCE GROUP LLC | 7365 MAIN ST STRATFORD, CT 06614 | TRANSAMERICA INSURANCE CO | $1K | — | $1K | 5.88% |
| ASSURANCE AGENCY LTD5 Filed as: MEDICARE ASSURANCE GROUP LLC | 7365 MAIN ST STRATFORD, CT 06614 | ENVISION INSURANCE COMPANY | $373 | — | $373 | 3.18% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $319 | — | $319 | 2.72% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE | $609 | — | $609 | 9.93% |
| ASSURANCE AGENCY LTD5 Filed as: MEDICARE ASSURANCE GROUP LLC | 7365 MAIN ST STRATFORD, CT 06614 | COMPANION LIFE INSURANCE | $208 | — | $208 | 3.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEBA, INC EIN 65-0498809 NONE | Contract Administrator Service code 13 | — | $150K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Claims processing; Float revenue Service code 12 | — | $115K |
| SUGARMAN AND SUSSKIND P.A. EIN 59-2539792 NONE | Legal Service code 29 | — | $72K |
| BROWN & BROWN EIN 59-3014567 NONE | Consulting (general) Service code 16 | — | $50K |
| IBEW LOCAL NO. 728 UNION EIN 59-0304061 RELATED LABOR UNION | Other services Service code 49 | — | $45K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| PROFUND SOLUTIONS LLC NONE | Consulting (general) Service code 16 | 9404 WEST 145TH TERRACE OVERLAND PARK, KS 66221 | $8K |
| COMERICA BANK EIN 42-1741646 NONE | Float revenue; Shareholder servicing fees; Other services; Custodial (securities) Service code 19 | — | $914 |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,480 | $8.2M |
| Dental | COMPANION LIFE INSURANCE | 7 | $6K |
| Prescription drug | ENVISION INSURANCE COMPANY | 7 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.