| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA LLC | 300 COLONIAL CENTER PARKWAY SUITE 27 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $23K | $26K | 3.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTHWEST FLA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $11K | $13K | 1.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 300 COLONIAL CENTER PARKWAY SUITE 270 LAKE MARY, FL 32746 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SWFL INC. | 1421 PINE RIDGE STE 200 NAPLES, FL 34109 | UNUM LIFE INSURANCE COMPANY | $1K | $256 | $2K | 6.29% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY | $711 | $568 | $1K | 5.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $299 | — | $299 | 8.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SWFL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $207 | $35 | $242 | 7.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $100 | $80 | $180 | 5.21% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $695K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $695K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $695K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $695K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 121 | $24K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 121 | $28K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.