| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $106K | — | $106K | 9.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 4.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | GUARDIAN | $8K | $10K | $18K | 7.46% |
| ENROLLEASE3 | 660 YORK STREET SAN FRANCISCO, CA 94110 | GUARDIAN | $4K | — | $4K | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $993 | $13K | 22.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $462 | $6K | 16.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $568 | $6K | 16.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $164 | $164 | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $444 | — | $444 | 3.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $764 | $121 | $885 | 11.59% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $1.5M |
| Dental | GUARDIAN | 236 | $245K |
| Vision | GUARDIAN | 236 | $245K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $35K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $60K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $1.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.