| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 33016 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 0.93% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST FINANCIAL INC | 14900 NW 79TH CT MIAMI LAKES, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 9.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC.-MIAM | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 8.67% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$343 | — | -$343 | -0.77% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NW 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC.-MIAM | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT #200 MIAMI, FL 33016 | RELIANCE STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.79% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $209 | — | $209 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.72% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $253 | — | $253 | 1.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC.-MIAM | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $881 | — | $881 | 7.50% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$41 | — | -$41 | -0.35% |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NW 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $255 | — | $255 | 7.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $198 | — | $198 | 7.51% |
| BENTRUST FINANCIAL3 | 14900 NW 79TH CT MIAMI, FL 33016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$10 | — | -$10 | -0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. - MI | 14900 NW 79 COURT SUITE 200 MIAMI, FL 33016 | RELIANCE STANDARD INSURANCE COMPANY | $0 | — | $0 | — |
| BENTRUST FINANCIAL3 Filed as: BENTRUST INSURANCE GROUP | 14900 NE 79TH COURT #200 MIAMI LAKES, FL 33016 | RELIANCE STANDARD INSURANCE COMPANY | -$186 | — | -$186 | — |
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 | 473 | 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) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 473 | $2.2M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $111K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $43K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 99 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 194 | $711K |
| Other(7 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 262 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.