| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC | — | HEALTH NET | -$16 | — | -$16 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC | 1501 4TH AVE. STE. 2400 SEATTLE, WA 98101 | LIFEMAP ASSURANCE COMPANY | $258 | — | $258 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OREGON AUTOMOTIVE TRADES ASSOC EIN 93-0889164 NONE | Direct payment from the plan; Other services Service code 49 | — | $91K |
| BROWN AND BROWN OF WASHINGTON, INC EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Insurance services; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $75K |
| VIMLY BENEFIT SOLUTIONS EIN 91-1603312 NONE | Plan Administrator; Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $47K |
| HEALTH INSURANCE STRATEGIES, INC NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 320 SW UPPER TERRACE DR., STE 101 BEND, OR 97702 | $7K |
| TOWN & COUNTRY INSURANCE CENTER EIN 45-5360235 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $6K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 421 | $2.5M |
| Dental(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 192 | $203K |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 421 | $2.5M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 421 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.