| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 1824 28TH AVE S. HOMEWOOD, AL 35209 | NATIONWIDE SPECIALTY INS COMPANY | $22K | — | $22K | 14.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P.O. 1490 JACKSON, MS 392151490 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 13.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | P.O. 1490 JACKSON, MS 392151490 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | PO BOX 1490 JACKSON, MS 39215 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $906 | — | $906 | 15.01% |
| FBBI,INC DBA CREATIVE BENEFIT3 | SOLUTIONS 1824 28TH ST SOUTH HOMEWOOD, AL 35209 | SOUTHAND DENTAL CORPORATION | $402 | — | $402 | 9.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BROTTRELL | INSURANCE INC. PO BOX 1490 JACKSON, MS 39215 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $178 | — | $178 | 7.74% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOULTIONS INC. | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.17% |
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 5.10% |
No Schedule C service providers reported on this filing.
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE SPECIALTY INS COMPANY | 170 | $223K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $66K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $63K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $111K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $111K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $111K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 170 | $77K |
| Other(6 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.