| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 240 S PINEAPPLE AVE SARASOTA, FL 34236 | AETNA LIFE INSURANCE CO. | $0 | $25K | $25K | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 240 S PINEAPPLE AVE SARASOTA, FL 34236 | AETNA LIFE INSURANCE CO. | $0 | $20K | $20K | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF FLORIDA INC EIN 59-0691921 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $199K |
| ASSOCIATED ADMINISTRATORS, LLC EIN 65-1205077 NONE | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $135K |
| THE SEGAL COMPANY EIN 13-2619259 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $43K |
| PHILLIPS, RICHARD & RIND, P.A. EIN 65-0765728 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| UNITED MEMBERS INSURANCE, INC. EIN 59-3006151 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $9K |
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 | 586 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,389 | $9.7M |
| Dental | AETNA LIFE INSURANCE CO. | 1,389 | $9.7M |
| Vision | AETNA LIFE INSURANCE CO. | 1,389 | $9.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 771 | $134K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 771 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,389 | — |
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.
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.