| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77K | $23K | $100K | 16.33% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.01% |
| THOMAS BOTWINSKI3 | 9440 NORTH SHELDON PLYMOUTH, MI 48170 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 1.11% |
| JOSEPH M. BINDER3 | 11974 DEER CREEK RUN PLYMOUTH, MI 48170 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.91% |
| MATTHEW REDNOUR3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 17.17% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 16.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.71% |
| ERIN BRZOZOWSKI, INC.3 Filed as: ERIN BRZOZOWSKI INC | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.94% |
| BRADDEN PROBST3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.76% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNIFIED LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM CHARLES BROWN | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 2.18% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 26 | $287K |
| Dental(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $846K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $613K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $613K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $613K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $613K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 26 | $233K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $669K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.