| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT. DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $77 | $19K | 1.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 743055 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLE BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | — | $44 | $44 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 743055 LOS ANGELES, CA 90074 | EYEMED VISION CARE | $13K | — | $13K | 9.93% |
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 | 1,680 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,680 | 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 | 1,014 | $18.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,318 | $1.0M |
| Vision | EYEMED VISION CARE | 2,342 | $130K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,680 | $533K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,680 | $864K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $395K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 200 | $2.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,680 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,342 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.