| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $169K | — | $169K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $565K | — | $565K | 15.00% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST 9TH FL STE 1710 CHICAGO, IL 60610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188K | — | $188K | 5.00% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST 9TH FL STE 1710 CHICAGO, IL 60610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $37K | $37K | 0.98% |
| PACIFIC RESOURCE BENEFIT ADVISORS3 Filed as: PACIFIC RESOURCE BENEFIT | 321 N CLARK ST 9TH FL STE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | $41K | $123K | 5.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, SUITE 1710 BOSTON, MA 02109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62K | — | $62K | 4.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 220 S. RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 5.00% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST 9TH FL STE 1710 CHICAGO, IL 60610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 3.00% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST, STE 1710 BOSTON, MA 02109 | VISION SERVICE PLAN | $57K | — | $57K | 5.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | HAWAII MEDICAL SERVICE ASSOCIATION | $18K | — | $18K | 2.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE., STE 210 DAYTONA BEACH, FL 32114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $6K | $39K | 11.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 321 N CLARK ST 9TH FL STE 1710 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP ST 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 3.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INSURANCE SER | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $1K | — | $1K | 2.18% |
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 | 10,375 | 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) | 10,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 787 | $5.1M |
| Dental | HAWAII DENTAL SERVICE | 65 | $59K |
| Vision | VISION SERVICE PLAN | 5,985 | $1.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,375 | $5.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,375 | $2.1M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,375 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,375 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.