| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $167K | $0 | $167K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 27.36% |
| CHASSE LYNN GREENE3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 16.40% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.64% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 7802 KINGSPOINTE PARKWAY SUITE 208A ORLANDO, FL 23819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $205 | $0 | $205 | 3.21% |
| GREGORY S GOLUB3 Filed as: GREGORY S. GOLUB | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $19 | $0 | $19 | 0.30% |
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 | 1,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,641 | $6K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,641 | $6K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,641 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.