| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA, INC. | 3697 MT DIABLO BOULEVARD, SUITE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 8.42% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | HIGHMARK INC. | $17K | $0 | $17K | 15.83% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HIGHMARK INC. | $2K | $0 | $2K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA, INC. | PO BOX 743055 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $813 | $0 | $813 | 4.29% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $148 | $0 | $148 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA, INC. | 3697 MT DIABLO BOULEVARD, SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $141 | $0 | $141 | 3.19% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $4K |
| Dental | HIGHMARK INC. | 204 | $105K |
| Vision | VISION SERVICE PLAN | 183 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $147K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $147K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $4K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.