| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $25K | $25K | 5.00% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $786 | $786 | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $518 | $518 | 2.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | VISION SERVICE PLAN | $916 | — | $916 | 6.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $258 | $258 | 3.64% |
| REBECCA J. COTTER3 Filed as: REBECCA J COTTER | — | AFLAC | $511 | $45 | $556 | 10.74% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | — | AFLAC | $97 | — | $97 | 1.87% |
| JAMEY MILLER INC3 Filed as: JAMEY MILLER | — | AFLAC | $75 | $15 | $90 | 1.74% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN HUNDLEY | — | AFLAC | $52 | — | $52 | 1.00% |
| COTTER CONSULTING & BENEFITS INC3 | — | AFLAC | $27 | $18 | $45 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | AFLAC | $26 | — | $26 | 0.50% |
| WILLIAM COVINGTON3 | — | AFLAC | $25 | — | $25 | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHARNETTE WILLIS | — | AFLAC | $24 | — | $24 | 0.46% |
| RALPH H KEELER3 Filed as: RALPH MANN | — | AFLAC | $13 | — | $13 | 0.25% |
| NANCY LAPHAM3 Filed as: NANCY WALDNER | — | AFLAC | $7 | $4 | $11 | 0.21% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $9 | — | $9 | 0.17% |
| JOSEPH MCBRIDE3 | — | AFLAC | $7 | — | $7 | 0.14% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | — | AFLAC | $1 | — | $1 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | — | AFLAC | $1 | — | $1 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | FIRST CHOICE HEALTH | $260 | — | $260 | 9.19% |
| LAURABETH CHRISTENSEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.68% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.65% |
| JOEL N NEWMAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.61% |
| CALEB ANTHONY LAW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.41% |
| ELITE-VB LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 NONE | Contract Administrator Service code 13 | — | $73K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-1622053 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $40K |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $121K |
| Vision | VISION SERVICE PLAN | 105 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $22K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $509K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.