| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $44K | $0 | $44K | 3.19% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $30K | $0 | $30K | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VIRGINA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | BLUE CROSS OF CALIFORNIA | $0 | $752 | $752 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $4K | $879 | $4K | 8.31% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 8.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VIRGINA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | STANDARD INSURANCE COMPANY | $0 | $909 | $909 | 1.68% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.98% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 189 | $1.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 189 | $1.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 189 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 123 | $72K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 123 | $72K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 123 | $72K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 189 | $1.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 189 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.