| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $81K | $0 | $81K | 3.63% |
| PIPER JORDAN HEALTH & BENEFITS3 | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | $0 | $25K | 1.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $134K | $34K | $167K | 9.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $27K | $27K | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 8337 W SUNSET RD LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335K | $0 | $335K | 30.40% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 532 PARK ROSE AVE MONROVIA, CA 91016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | $0 | $45K | 4.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | $41K | $0 | $41K | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $93K | $0 | $93K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $13K | $960 | $14K | 10.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE INC | 815 S WASHINGTON AVE SUITE 103 TITUSVILLE, FL 32780 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 4,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,039 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,202 | $2.2M |
| Vision | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE COMPANY | 7,830 | $892K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,428 | $1.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 23,428 | $1.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 23,428 | $1.7M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 23,428 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,428 | — |
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.