| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA INC. | THE CURTIS CENTER 601 WALNUT STREET, SUITE 275W PHILADELPHIA, PA 19106 | PRUDENTIAL LIFE INSURANCE COMPANY | $18K | — | $18K | 4.24% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE, STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 THIRD PARTY ADMIN. | Claims processing Service code 12 | — | $19K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN. | Claims processing Service code 12 | — | $0 |
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 | 6,874 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY | 6,874 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,874 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.