| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF COLORADO | $5K | — | $5K | 6.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN LIFE INSURANCE COMPANY | $328 | — | $328 | 14.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | $10K | — | $10K | — |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | — | $131 | $131 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E. ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | $13K | — | $13K | — |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | — | $162 | $162 | — |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | 162 | $0 |
| Dental | DELTA DENTAL OF COLORADO | 207 | $71K |
| Vision | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | 200 | $0 |
| Life insurance(3 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 332 | $66K |
| Short-term disability(2 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 44 | $20K |
| Long-term disability(2 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 123 | $44K |
| Other(4 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 332 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.