| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $57K | $0 | $57K | 4.19% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $11K | $710 | $12K | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.42% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.41% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 265 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $367K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $367K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $367K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $367K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $367K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 265 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.