| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7.2M | $43K | $7.3M | 111.88% |
| PACIFIC RESOURCE BENEFITS ADVISORS3 Filed as: PACIFIC RESOURCE BEN. ADVISOR, LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $237K | — | $237K | 3.66% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 0.80% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 Filed as: PACIFIC RESOURCE BNFT ADVSRS, LLC | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $210K | $27K | $237K | 4.56% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $115K | $61K | $176K | 5.69% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79K | $0 | $79K | 5.49% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 | PO BOX 746600 ATLANTA, GA 30374 | VISION SERVICE PLAN | $86K | $0 | $86K | 6.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII MEDICAL SERVICE ASSOCIATION | $18K | $0 | $18K | 3.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $14K | $54K | 11.72% |
| PACIFIC RESOURCE BEN. ADVISORS, LLC3 | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $0 | $40K | 8.62% |
| MORRIS & BOYLE3 | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103K | $115K | $218K | 48.94% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $771 | $12K | 2.80% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 2.05% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.76% |
| KENNETH C YARBROUGH3 Filed as: KENNETH C. YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $618 | $2K | $3K | 0.57% |
| DAPHNE AILEEN CLINE-BOYLE3 | 1850 MOUNT DIABLE BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| AGIS NETWORK INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | MUTUAL OF OMAHA INSURANCE COMPANY | $45K | $0 | $45K | 34.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $1K | $0 | $1K | 2.00% |
| AGIS NETWORK INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 37.50% |
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 | 12,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 994 | $5.9M |
| Dental | HAWAII DENTAL SERVICE | 119 | $58K |
| Vision | VISION SERVICE PLAN | 7,664 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,177 | $6.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 12,173 | $3.5M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 994 | $5.9M |
| Other(6 contracts, 6 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,409 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,409 | — |
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.