| 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. | $38K | $0 | $38K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | PO BOX 743171 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $191K | $21K | $212K | 18.16% |
| 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 | $104K | $8K | $112K | 10.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | PO BOX 743171 LOS ANGELES, CA 900743171 | VISION SERVICE PLAN | $109K | $0 | $109K | 14.00% |
| 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 | $6K | $0 | $6K | 3.00% |
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 | 7,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 867 | $3.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,458 | $184K |
| Vision | VISION SERVICE PLAN | 4,534 | $781K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,111 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,660 | $1.0M |
| Prescription drug | AETNA HEALTH, INC. | 867 | $3.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 8,111 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,111 | — |
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.