| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 75 STATE STREET #1710 BOSTON, MA 02109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 2.86% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS,LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 0.54% |
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 | 8,299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 250 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 117 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 641 | $318K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,855 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,855 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.