| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | HOMETOWN HEALTH INSURANCE | $61K | — | $61K | 6.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | GUARDIAN | $9K | $8K | $17K | 10.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | ALLSTATE | $3K | — | $3K | 6.83% |
| CUSTOM BENEFIT PROGRAMS INC Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $441 | $2K | 4.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $636 | — | $636 | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $77 | $2K | 15.76% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INSURANCE OF NV INC. | 2340 CORPORATE CIRCLE 2ND FLOOR HENDERSON, NV 89074 | FIDELITY SECURITY LIFE | — | $758 | $758 | 10.00% |
| THE LAUGHTON COMPANY3 | 140 WASHINGTON ST. SUITE 100 RENO, NV 89503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | — | $903 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 975 KELLY JOHNSON DR., SUITE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $676 | $34 | $710 | 15.75% |
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 | 412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HOMETOWN HEALTH INSURANCE | 246 | $1.0M |
| Dental | GUARDIAN | 412 | $159K |
| Vision | GUARDIAN | 412 | $159K |
| Life insurance(4 contracts, 4 carriers) | GUARDIAN | 412 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $5K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 412 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.