| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40243 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DR SUITE 200 LOUISVILLE, KY 40243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM ST CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 19 W. GARDEN ST STE 300 PENSACOLA, FL 32502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.53% |
| BOAR ENROLLMENT STRATEGIES3 | STE 209 2444 BROAD ST CHATTANOOGA, TN 37408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.48% |
| FOREST BENEFITS MANAGEMENT LLC3 | STE 50 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.88% |
| BOAR ENROLLMENT STRATEGIES3 | STE 209 CHATTANOOGA, TN 37408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 27.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FISHER BROWN BOTTRELL INSURANCE INC | 19 W GARDEN ST STE 300 PENSACOLA, FL 32502 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 22.62% |
| FOREST BENEFITS MANAGEMENT LLC3 | STE 50 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $258 | — | $258 | 4.17% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $115K |
| Life insurance(2 contracts, 2 carriers) | GERBER LIFE | 210 | $707K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 204 | $165K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 204 | $165K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 207 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.