| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 3201 CHERRY RIDGE DRIVE SUITE D405 SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 15.14% |
| AUTOMATIC PROCESSING, INC.5 | PO BOX 84275 BOSTON, MA 02884 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 6.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.05% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 409 | $132K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 409 | $132K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $232K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $232K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $232K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.