| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVC OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | AETNA HEALTH, INC. | $68K | — | $68K | 3.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVC OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 6.81% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, SUITE 345 HOUSTON, TX 77036 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $571 | — | $571 | 1.25% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, SUITE 345 HOUSTON, TX 77036 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 26.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.10% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, SUITE 345 HOUSTON, TX 77036 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 65.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 28.06% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR, SUITE 345 HOUSTON, TX 77036 | STANDARD INSURANCE COMPANY | $351 | — | $351 | 7.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS OF CA | 2401 E KATELLA AVE, SUITE 550 ANAHEIM, CA 92806 | STANDARD INSURANCE COMPANY | $125 | — | $125 | 2.79% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 240 | $174K |
| Dental | AETNA LIFE INSURANCE CO. | 240 | $174K |
| Vision | AETNA LIFE INSURANCE CO. | 240 | $174K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 348 | $60K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 54 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 20 | $4K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 348 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.