| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INS SERVICES LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $14K | $14K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 1.42% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | VISION SERVICE PLAN | $901 | — | $901 | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $802 | $802 | 6.36% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF WA INC | — | HARTFORD LIFE & ACCIDENT | $1K | — | $1K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $547 | $547 | 8.54% |
| REBECCA J. COTTER3 Filed as: REBECCA J COTTER | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $494 | — | $494 | 11.83% |
| COTTER CONSULTING & BENEFITS INC3 | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $104 | — | $104 | 2.49% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $97 | — | $97 | 2.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $94 | — | $94 | 2.25% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $68 | — | $68 | 1.63% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $52 | — | $52 | 1.25% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $25 | — | $25 | 0.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHARNETTE L WILLIS | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $24 | — | $24 | 0.57% |
| NANCY LAPHAM3 Filed as: NANCY L WALDNER | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $24 | — | $24 | 0.57% |
| RALPH H KEELER3 Filed as: RALPH S MANN | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $13 | — | $13 | 0.31% |
| JAMEY MILLER INC3 | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $12 | — | $12 | 0.29% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $9 | — | $9 | 0.22% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $7 | — | $7 | 0.17% |
| JOHN TODD LEE3 | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1 | — | $1 | 0.02% |
| STAN A SHERLIN3 | — | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1 | — | $1 | 0.02% |
| LAURABETH CHRISTENSEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 1.82% |
| JOEL N NEWMAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.57% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.50% |
| CALEB ANTHONY LAW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.43% |
| ELITE-VB LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| WHITFIELD BENEFIT SOLUTIONS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| DIGITAL INSURANCE LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | FIRST CHOICE HEALTH | $256 | — | $256 | 9.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 NONE | Contract Administrator Service code 13 | — | $69K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-1622053 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $43K |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $110K |
| Vision | VISION SERVICE PLAN | 97 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $19K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $453K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.