| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CALIFORNIA, INC. | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN, INC. | $129K | $0 | $129K | 3.00% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $746 | $78K | 13.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $297 | $28K | 4.71% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.90% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $12K | $87K | 16.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $22K | $0 | $22K | 6.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | BLUE CROSS OF CALIFORNIA | $11K | $0 | $11K | 3.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 0.73% |
| UNKNOWN3 | UNKNOWN LAKEWOOD, CO 80401 | NEW BENEFITS LTD | $2K | — | $2K | 2.54% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | MEDIEXCEL HEALTH PLAN | $4K | $0 | $4K | 5.45% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 10.51% |
| SUCCESS STRATEGIES, INC.4 | 338 FARM ROAD 71 EAST SULPHUR SPRINGS, TX 75482 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | $0 | $4K | 9.16% |
| TAI LIMITED4 | 1113 HYACINTH LANE PEACH TREE CITY, GA 30269 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 2.90% |
| DORSEY & ASSOCIATES, INC.4 | 1655 VINERY AVENUE CUMMINGS, GA 30041 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $96 | $0 | $96 | 0.21% |
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 | 1,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 547 | $4.4M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,455 | $995K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,455 | $596K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,381 | $544K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,381 | $544K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,381 | $544K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 547 | $4.3M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,594 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.