| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $114K | $131K | 16.88% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | $4K | $57K | 7.38% |
| LOUDON INSURANCE GROUP LLC3 | 5 WIRT STREET SW, SUITE 300 LEESBURG, VA 17252 | UNITEDHEALTHCARE INSURANCE COMPANY | -$23 | $5K | $5K | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 ST. PETERSBURG, FL 33716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 12.45% |
| MORGAN STRONG3 | 1735 BARCELONA WAY WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.75% |
| RAYMOND L CHAN3 Filed as: RAYMOND L. CHAN | 11350 RANDOM HILLS ROAD, SUITE 800 FAIRFAX, VA 22030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.53% |
| LOUDON INSURANCE GROUP LLC3 | 5 WIRT STREET SW, SUITE 300 LEESBURG, VA 17252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.59% |
| RUBEN ROSA3 | 933 LEE ROAD, SUITE 200 ORLANDO, FL 32810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.09% |
| MJ INSURANCE3 Filed as: DIVYA JAIN AND VARIOUS AGENTS | 26612 MARBURY ESTATES DRIVE CHANTILLY, VA 20152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
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 | 506 | 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) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $779K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $779K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $779K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $779K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $779K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $779K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.