| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 2.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.68% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 12.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 7.85% |
| BRET BOEGER3 | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66224 | TRUSTMARK INSURANCE COMPANY | $23K | $0 | $23K | 45.97% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $992K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $992K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $992K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 163 | $232K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 163 | $232K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163 | $232K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $992K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.