| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | — | STANDARD INSURANCE COMPANY | $1K | $662 | $2K | 12.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 333 EARLE OVINGTON BLVD SUITE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $331 | $331 | 2.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $2K | $447 | $2K | 17.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 333 EARLE OVINGTON BLVD SUITE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $224 | $224 | 1.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | PO BOX 29018 PORTLAND, OR 97296 | VSP | $775 | — | $775 | 7.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OREGON | — | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 33.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FL | 3520 THOMASVILLE RD SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | — | $456 | $456 | 4.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $949 | $359 | $1K | 13.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 333 EARLE OVINGTON BLVD SUITE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $179 | $179 | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO SERVICE PROVIDER | Claims processing; Plan Administrator Service code 12 | 800 COTTAGE GROVE ROAD 59-1031071 BLOOMFIELD, CT 06002 | $11K |
| CIGNA HEALTH & LIFE INSURANCE CO | Participant communication; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 151 | $11K |
| Vision | VSP | 75 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 198 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 48 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 49 | $12K |
| Other | STANDARD INSURANCE COMPANY | 198 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.