| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 3697 MT. DIABLO BLVD., SUITE 100 LAFAYETTE, CA 94549 | AETNA HEALTH, INC. | $40K | — | $40K | 4.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 3697 MT. DIABLO BLVD., SUITE 100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO. | $33K | — | $33K | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 3697 MT. DIABLO BLVD., SUITE 100 LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 8.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 3697 MT. DIABLO BLVD., SUITE 100 LAFAYETTE, CA 94549 | VISION SERVICE PLAN | $788 | — | $788 | 7.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 3697 MT. DIABLO BLVD., SUITE 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $943 | $81 | $1K | 12.31% |
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 | 160 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 90 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 79 | $72K |
| Vision | VISION SERVICE PLAN | 64 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $8K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 90 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.