| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE OF AMERICA | $49K | — | $49K | 7.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DR BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE OF AMERICA | — | $22K | $22K | 3.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRV OF CA | PO BOX 743055 LOS ANGELES, CA 900743055 | EYEMED VISION CARE | $7K | — | $7K | 10.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $2 | $3K | 4.57% |
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 | 938 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 8 | $59K |
| Vision | EYEMED VISION CARE | 1,334 | $60K |
| Life insurance | GUARDIAN LIFE INSURANCE OF AMERICA | 938 | $692K |
| Short-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 938 | $692K |
| Long-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 938 | $692K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 8 | $59K |
| Other | GUARDIAN LIFE INSURANCE OF AMERICA | 938 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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.