| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | $31K | $89K | 19.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL PRYOR, OK 74361 | DELTA DENTAL | $26K | $0 | $26K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 208 NORTH MILL STREET PRYOR, OK 74361 | AMERITAS LIFE INSURANCE CORP. | $9K | $0 | $9K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | $0 | $5K | $5K | 5.03% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUCTIONS, INC. | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | AMERITAS LIFE INSURANCE CORP. | $21 | $0 | $21 | 0.02% |
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 | 814 | 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) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 553 | $329K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 948 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 814 | $467K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 814 | $467K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 814 | $467K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 814 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.