| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVS OF CA | 3697 MT. DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE S | 3697 MT DIABLO BLVD #100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 11.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS | 3697 MT. DIABLE BLVD STE 100 LAFAYETTE, CA 94549 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 6.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES CA | P.O. BOX 743055 LOS ANGELES, CA 90074 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 5.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES CA | 1 S LOS CARNEROS RD GOLETA, CA 93117 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $400 | — | $400 | 0.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES CA | ONE KAISER PLAZA SUITE 1101 OAKLAND, CA 94612 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $150 | $150 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 20.26% |
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 | 1,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 943 | $16.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,288 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,129 | $119K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,487 | $163K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 914 | $740K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,213 | $310K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,487 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.