| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $1K | $17K | 16.43% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 17.97% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $834 | $6K | 23.09% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $766 | $766 | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | — | $113 | $113 | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1201 W CYPRESS CREEK RD STE 130 FT LAUDERDALE, FL 33309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $313 | $2K | 18.01% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $303 | $303 | 2.91% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $101K |
| Vision | HUMANA INSURANCE COMPANY | 181 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $51K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.