| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 144 TURNPIKE ROAD SOUTHBOROUGH, MA 01772 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $210K | $0 | $210K | 4.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS AGCY OF VA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $43K | $43K | 0.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | PO BOX 745957 ATLANTA, GA 30374 | VISION SERVICE PLAN | $6K | — | $6K | 1.48% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 11.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVENUE, 15TH FLOOR SEATTLE, WA 98101 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 10.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | TRUSTMARK INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | ARAG INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
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 | 3,637 | 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) | 3,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,681 | $390K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,637 | $5.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,637 | $5.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,637 | $5.0M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,637 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,637 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.