| 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 | $117K | — | $117K | 11.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 5.79% |
| 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 | $2K | $13K | 24.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA ANAHEIM, CA 92806 | GUARDIAN | $3K | — | $3K | 7.25% |
| 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 | $6K | $1K | $7K | 18.08% |
| 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 | $1K | $6K | 18.42% |
| 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 | — | $810 | $810 | 3.65% |
| 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 | $709 | $244 | $953 | 13.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $119 | — | $119 | 3.99% |
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 | 305 | 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) | 305 | 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 | 224 | $1.3M |
| Dental | GUARDIAN | 264 | $43K |
| Vision | GUARDIAN | 264 | $43K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $33K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $59K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.