| 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 | $33K | — | $33K | 5.00% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $15K | $15K | 2.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $832 | $832 | 3.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $646 | $646 | 3.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | VISION SERVICE PLAN | $934 | — | $934 | 6.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $263 | $263 | 3.14% |
| REBECCA J. COTTER3 Filed as: REBECCA J COTTER | — | AFLAC | $127 | — | $127 | 2.84% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | — | AFLAC | $97 | — | $97 | 2.17% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | — | AFLAC | $52 | — | $52 | 1.16% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | — | AFLAC | $25 | — | $25 | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHARNETTE L WILLIS | — | AFLAC | $24 | — | $24 | 0.54% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | — | AFLAC | $20 | — | $20 | 0.45% |
| COTTER CONSULTING & BENEFITS INC3 | — | AFLAC | $19 | — | $19 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | AFLAC | $19 | — | $19 | 0.43% |
| RALPH H KEELER3 Filed as: RALPH S MANN | — | AFLAC | $13 | — | $13 | 0.29% |
| SAIC INC3 | — | AFLAC | $9 | — | $9 | 0.20% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | — | AFLAC | $7 | — | $7 | 0.16% |
| NANCY LAPHAM3 Filed as: NANCY L WALDNER | — | AFLAC | $5 | — | $5 | 0.11% |
| JAMEY MILLER INC3 | — | AFLAC | $4 | — | $4 | 0.09% |
| JOHN TODD LEE3 | — | AFLAC | $1 | — | $1 | 0.02% |
| STAN A SHERLIN3 | — | AFLAC | $1 | — | $1 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | FIRST CHOICE HEALTH | $301 | — | $301 | 9.18% |
| LAURABETH CHRISTENSEN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.27% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.71% |
| JOEL N NEWMAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.57% |
| CALEB ANTHONY LAW3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.33% |
| PAMELA WHITFIELD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| ELITE-VB LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 NONE | Contract Administrator Service code 13 | — | $85K |
| 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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $122K |
| Vision | VISION SERVICE PLAN | 114 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $26K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $653K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.