| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $27K | — | $27K | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $14K | — | $14K | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | — | $1K | $1K | 0.12% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $11K | — | $11K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | STANDARD LIFE AND ACCIDENT | $11K | — | $11K | 5.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN | — | STANDARD LIFE AND ACCIDENT | $5K | — | $5K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 12.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $2K | $1K | $4K | 6.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | STANDARD INSURANCE COMPANY | — | $896 | $896 | 1.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NC 89113 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 14.31% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 349 | $933K |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 349 | $933K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 349 | $933K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 81 | $75K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 81 | $75K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 349 | $933K |
| Other(3 contracts, 3 carriers) | STANDARD LIFE AND ACCIDENT | 201 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.