| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | UNKNOWN IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | $0 | $80K | 10.05% |
| TRUEBENEFITS LLC3 | UNKNOWN IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $0 | $29K | 3.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 5.72% |
| TRUEBENEFITS LLC3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 2.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 8.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.68% |
| TRUEBENEFITS LLC3 | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.24% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $795K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 242 | $158K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 242 | $158K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $85K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $795K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.