| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 12520 HIGH BLUFF DRIVE SAN DIEGO, CA 92130 | AETNA LIFE INSURANCE CO. | $266K | $51K | $318K | 1.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 12520 HIGH BLUFF DRIVE SAN DIEGO, CA 92130 | AETNA LIFE INSURANCE CO. | $221K | $0 | $221K | 1.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 90074 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $146K | $0 | $146K | 13.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | DELTA DENTAL OF NEW YORK | $42K | $0 | $42K | 4.58% |
| PIPER JORDAN3 | P.O. 743171 LOS ANGELES, CA 90074 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $11K | $0 | $11K | 6.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $5K | $0 | $5K | 3.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 595 STEWART AVE SUITE 700 GARDEN CITY, NC 11530 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $0 | $3K | $3K | 2.01% |
| ROBYN PIPER3 | 11622 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 92130 | ANTHEM BLUE CROSS | $40K | $0 | $40K | — |
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 | 999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,198 | $17.2M |
| Dental | DELTA DENTAL OF NEW YORK | 2,357 | $907K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 2,127 | $160K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,346 | $1.1M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,346 | $1.1M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,346 | $1.1M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,346 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,357 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.