| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $3K | $11K | 14.13% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | STARMOUNT LIFE INSURANCE COMPANY | — | $7K | $7K | 8.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 18.84% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 8.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 18.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $532 | $3K | 18.83% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 8.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $1K | $314 | $2K | 18.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | — | $411 | $411 | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $1K | $278 | $1K | 18.92% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | — | $359 | $359 | 5.03% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 90 | $76K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 90 | $76K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $27K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 128 | $183K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.