| 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 RD STE 130 FORT LAUDERDALE, FL 33309 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $220 | — | $220 | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 NONE | Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary Service code 12 | — | $387K |
| NEBA, INC. EIN 65-0498809 NONE | Contract Administrator; Copying and duplicating; Direct payment from the plan Service code 13 | — | $186K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $48K |
| PHILLIPS, RICHARD, AND RIND PA EIN 65-0765728 NONE | Legal; Direct payment from the plan; Other services Service code 29 | — | $24K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Actuarial; Direct payment from the plan; Other services; Consulting (general) Service code 11 | — | $23K |
| TOP DRAWER, INC. EIN 59-1550960 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $14K |
| GAMCO ASSET MANAGEMENT INC. EIN 13-4044521 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
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 | 616 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 105 | $3K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 628 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.