| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | 13901 SUTTON PARK DRIVE SOUTH BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $10K | $0 | $10K | 8.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $0 | $2K | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | $0 | $1K | 1.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $0 | $975 | $975 | 0.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. | 13901 SUTTON PARK DRIVE SOUTH BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | DELTA DENTAL OF ARKANSAS | $3K | $0 | $3K | 3.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | DELTA DENTAL OF ARKANSAS | $1K | $0 | $1K | 1.82% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY, SUITE 550 PLANO, TX 75024 | TRUSTMARK INSURANCE COMPANY | $12K | $0 | $12K | 18.57% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 1060 MAITLAND CENTERS COMMON BLVD SUITE 210 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 14.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE, SUITE N136 WHITE PLAINS, NY 10604 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $210 | $0 | $210 | 1.86% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARKANSAS | 208 | $74K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 190 | $11K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 217 | $186K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 217 | $122K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 217 | $122K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 217 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.