| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | SITZMANN MORRIS LAVIS INS 3697 MT DIABLO BLVD, STE 100 LAFAYETTE, CA 94549 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 7.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | ATT ACCOUNTING 11516 MIRACLE HILL DR, STE 100 OMAHA, NE 68154 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 13.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | PO BOX 743055 LOS ANGELES, CA 90074 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLANS LLC | 11516 MIRACLE HILLS DRIVE STE 100 OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | -$41 | — | -$41 | — |
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 | 534 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 311 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 928 | $382K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 928 | $382K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 928 | $382K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 928 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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.