| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | $53K | $53K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | 3201 CHERRY RIDGE ST STE D405 SAN ANTONIO, TX 78230 | AMERITAS LIFE INSURANCE CORPORATION | $7K | — | $7K | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVCS | 1717 N SAM HOUSTON PKWY W STE 115 HOUSTON, TX 77038 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 3.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORPORATION | — | $2K | $2K | 1.42% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 41.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $41 | $6K | 18.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | 3201 CHERRY RIDGE ST STE D405 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | — | $136 | $136 | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVS INC | 1717 N SAM HOUSTON PKWY STE 115 HOUSTON, TX 77038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.10% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 41.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $41 | $5K | 17.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 3201 CHERRY RIDGE ST STE D405 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | — | $108 | $108 | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVS INC | 1717 N SAM HOUSTON PKWY STE 115 HOUSTON, TX 77038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $755 | $4K | 19.07% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 9.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVS INC | 1717 N SAM HOUSTON PKWY STE 115 HOUSTON, TX 77038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $749 | $3K | 19.22% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 41.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | PO BOX 670728 HOUSTON, TX 77267 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $41 | $3K | 18.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS | 3201 CHERRY RIDGE ST STE D405 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INS SVS INC | 1717 N SAM HOUSTON PKWY STE 115 HOUSTON, TX 77038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $922 | $230 | $1K | 18.74% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $999K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 341 | $116K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 341 | $116K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $18K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.