| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF AZ, INC. | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $867 | $867 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.15% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MED. SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $660 | $0 | $660 | 1.15% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 390 | $6.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 452 | $547K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 900 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $378K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $378K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $378K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 390 | $6.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 423 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.