| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE PHOENIX, AZ 85004 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $44K | — | $44K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 11.73% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | PO BOX 2800 PHOENIX, AZ 85002 | AMERITAS LIFE INSURANCE CORP. | $8K | $1K | $9K | 11.62% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 197 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 288 | $80K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 288 | $80K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $108K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $108K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $108K |
| Prescription drug | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 197 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.