| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 485 N. KELLER RD. MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 5.75% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | $10K | — | $10K | 5.24% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | $7K | — | $7K | 3.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | $2K | — | $2K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | $3K | — | $3K | 5.09% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | $2K | — | $2K | 4.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE RD. SUITE 500 TALLAHASSEE, FL 32309 | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | $414 | — | $414 | 0.83% |
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 | 1,813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | 433 | $187K |
| Vision | UNITEDHEALTHCARE INSURED DENTAL/VISION-UNITED HEALTH | 352 | $50K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $428K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $428K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.