| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA | 12520 HIGH BLUFF DRIVE SAN DIEGO, CA 92120 | AETNA HEALTH, INC. | $19K | $23 | $19K | 0.51% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AETNA HEALTH, INC. | $3K | $0 | $3K | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $3K | $43K | 5.61% |
| ROBYN L PIPER3 | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 4.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | PO BOX 743171 LOS ANGELES, CA 900743171 | VISION SERVICE PLAN | $49K | $0 | $49K | 7.15% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NC 891024397 | VISION SERVICE PLAN | $47K | $0 | $47K | 6.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | HARTFORD LIFE AND ACCIDENT | $159K | $18K | $177K | 27.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | DELTA DENTAL OF CALIFORNIA | $3K | $0 | $3K | 1.65% |
| ROBYN PIPER3 | 2300 W SAHARA AVE LAS VEGAS, NV 89102 | DELTA DENTAL OF CALIFORNIA | $2K | $0 | $2K | 1.47% |
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 | 6,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 854 | $3.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,385 | $154K |
| Vision | VISION SERVICE PLAN | 3,901 | $684K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,057 | $653K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,899 | $762K |
| Prescription drug | AETNA HEALTH, INC. | 854 | $3.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,057 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,057 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.