| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL | 1824 28TH AVE S. HOMEWOOD, AL 35209 | SHELTERPOINT INSURANCE | $6K | — | $6K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $363 | $4K | 11.04% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $415 | $415 | 1.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $52K | $56K | 199.48% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $442 | $442 | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 HOMEWOOD, MS 352092606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $336 | $3K | 16.91% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $288 | $288 | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $329 | $3K | 16.91% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | BOSTON MUTUAL LIFE INSURANCE COMPANY | — | $282 | $282 | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $289 | $3K | 16.78% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $247 | $247 | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $203 | $1K | 11.90% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $174 | $174 | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $172 | $2K | 16.78% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $148 | $148 | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 248 E CAPITOL ST STE 1200 JACKSON, MS 39201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $145 | $2K | 16.60% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $124 | $124 | 1.36% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 117 | $660K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $35K |
| Vision(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $28K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 125 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 117 | $660K |
| Other(7 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 125 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.