| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR S. BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DR S. BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DR S. BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 2412 DAYTONA BEACH, FL 32115 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 2412 JACKSONVILLE, FL 322240229 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 13901 SUTTON PARK DR. S BUILDING C SUITE 360 JACKSONVILLE, FL 322240229 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | PO BOX 955816 SAINT LOUIS, MO 63195 | METLIFE LEGAL PLANS | $107 | — | $107 | 35.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DR S. SUITE 360 JACKSONVILLE, FL 322240229 | METLIFE LEGAL PLANS | — | $7 | $7 | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY SUITE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS | — | $1 | $1 | 0.33% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 687 | $2.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 687 | $2.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 188 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 116 | $59K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 217 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.