| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | — | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $8K | — | $8K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JASON BROWN | PO BOX 1238 CYPRESS, TX 77410 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: C JASON BROWN | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | DELTA DENTAL OF NEW MEXICO | $927 | $2K | $3K | 27.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | PO BOX 1238 CYPRESS, TX 77410 | PRINCIPAL LIFE INSURANCE COMPANY | $867 | $72 | $939 | 15.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | 21219 METALLIC BLUE DR. CYPRESS, TX 77433 | AMERITAS LIFE INSURANCE CORP | $265 | $232 | $497 | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CAMERON JASON BROWN | 31134 ROANOKE WOODS DR TOMBALL, TX 77375 | SUN LIFE ASSURANCE COMPANY OF CANADA | $249 | — | $249 | 8.81% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | SUN LIFE ASSURANCE COMPANY OF CANADA | $123 | — | $123 | 4.35% |
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 | 40 | 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) | 40 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 25 | $189K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 26 | $199K |
| Vision | AMERITAS LIFE INSURANCE CORP | 44 | $3K |
| Life insurance(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 36 | $34K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 36 | $32K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 36 | $32K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 36 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44 | — |
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.