| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD SUITE 102 ROCKY HILL, CT 06067 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NEBA NONE | Contract Administrator Service code 13 | 2010 NW 150TH AVE PEMBROKE PINES, FL 33028 | $57K |
| SUGARMAN & SUSSKIND PA NONE | Legal Service code 29 | 100 MIRACLE MILE CORAL GABLES, FL 33134 | $41K |
| BROWN & BROWN OF CONNECTICUT INC. NONE | Investment advisory (plan) Service code 27 | 55 CAPITAL BLVD. STE 102 ROCKY HILL, CT 06067 | $22K |
| KSDT & CO.,LLC. EIN 26-0547877 NONE | Accounting (including auditing) Service code 10 | 9300 S DADELAND BLVD MIAMI, FL 33156 | $10K |
| SAGE ADVISORY SERVICE NONE | Investment management Service code 28 | 5900 SOUTHWEST PARKWAY AUSTIN, TX 78735 | $8K |
| INVESTMENT PERFORMANCE SERVICES LLC NONE | Investment advisory (plan) Service code 27 | 7402 HODGSON MEMORIAL DR SAVANNAH, GA 31406 | $3K |
| CALIBRE CPA EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVENUE BETHESDA, MD 20814 | $1K |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 574 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.