| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN FL FORT LAUDERDALE | 1201 W CYPRESS CREEK RD STE 130 FORT LAUDERDALE, FL 33309 | UNITED HEALTHCARE INSURANCE COMPANY | — | $112K | $112K | 4.20% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 33172 | UNITED HEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 0.80% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $969 | — | $969 | 2.27% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.78% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31TH TERRECE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $649 | — | $649 | 2.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN FL FORT LAUREDALE | 1201 W CYPRESS CREEK RD FORT LAUREDALE, FL 33309 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $15K | $17K | 61.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 11.17% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 33172 | UNITED HEALTHCARE INSURANCE COMPANY | $633 | — | $633 | 2.32% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 5.61% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $533 | — | $533 | 2.38% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 1201 W CYPRESS CREEK RD FORT LAUREDALE, FL 33309 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $15K | $29K | 154.21% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 33172 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 23.63% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSET LOOP MANASSAS, VA 20109 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 16.27% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $452 | — | $452 | 2.44% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $932 | — | $932 | 5.72% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $372 | — | $372 | 2.28% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $180 | — | $180 | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SERV | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $115 | — | $115 | 6.38% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES | 10446 NW 31 TERRACE DORAL, FL 33172 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $29 | — | $29 | 1.61% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 318 | $2.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 328 | $19K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 248 | $27K |
| Other(7 contracts) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 71 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.