| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN FL DAYTONA BEACH | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $141K | $156K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 175 SULLYS TRAIL, SUITE 301 PITTSFORD, NY 14534 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $104K | $114K | 2.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $25K | $0 | $25K | 11.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $0 | $2K | $2K | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | PO BOX 745961 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $3K | $476 | $3K | 8.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF AMERICAS, FLOOR 22ND NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $135 | $0 | $135 | 0.34% |
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 | 636 | 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) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $4.3M |
| Vision | STANDARD INSURANCE COMPANY | 269 | $40K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 636 | $223K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 636 | $223K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 636 | $223K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $4.3M |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 636 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.