| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $389K | $0 | $389K | 38.93% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $21 | $3K | 0.26% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 0.63% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $607 | $0 | $607 | 1.86% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.54% |
| JAMES DUNCAN DAVIDSON3 | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.39% |
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 | 16,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,905 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 50 | $270K |
| Dental | KAISER FOUNDATION HEALTH PLAN, INC. | 50 | $270K |
| Vision | KAISER FOUNDATION HEALTH PLAN, INC. | 50 | $270K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 50 | $270K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,790 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
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.