| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | UNKNOWN MERCER ISLAND, WA 98040 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$57K | $0 | -$57K | -6.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $55K | $85K | 12.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 2.75% |
| CHASSE LYNN GREENE3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 12.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | 140 FOUNTAIN PARKWAY NORTH SUITE 600 ST PETERSBURG, FL 33716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 8.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 7.16% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 6.36% |
| RUBEN ROSA3 | 933 LEE ROAD ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
| DH2 ENTERPRISES INC3 | 7802 KINGSPOINTEE PARKWAY SUITE 208A ORLANDO, FL 32819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.94% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 933 | $704K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 933 | $704K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 933 | $704K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 933 | $704K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 933 | $704K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,013 | $1.8M |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.