| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JORDON, DANIEL R3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $57K | — | $57K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT STREET PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT STREET, SUITE 805 PHILADELPHIA, PA 19106 | SECURIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT STREET PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, LP | 601 WALNUT STREET SUITE 275W PHILADELPHIA, PA 19106 | VISION SERVICE PLAN | $970 | — | $970 | 6.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT STREET, SUITE 805 PHILADELPHIA, PA 19106 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $627 | — | $627 | 4.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT STREET PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 311 | $1.4M |
| Dental(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 91 | $51K |
| Vision | VISION SERVICE PLAN | 140 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 311 | $1.4M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
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.