| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $9K | 3.24% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE. SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 9.24% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $640 | $640 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 800 MAIN ST MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $4K | $797 | $5K | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $5K | $2K | $7K | 9.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $264 | $106 | $370 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWQS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $44 | $44 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ASSUREX3 | 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 6.48% |
| COTTINGHAM & BUTLER3 | 800 MAIN ST DUBUQUE, IA 52001 | UNUM INSURANCE COMPANY | $935 | $531 | $1K | 3.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $173 | $126 | $299 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $96 | $0 | $96 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $24 | $24 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 749410 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $215 | $1K | 11.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 749410 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $129 | $129 | 1.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
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 | 1,013 | 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) | 1,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $263K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $263K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $276K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $276K |
| Other(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,013 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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.
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.