| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | PO BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $26K | $44K | 16.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 891193761 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $631 | $7K | 8.78% |
| ROBYN L PIPER3 Filed as: ROBYN L. PIPER | 2300 W. SAHARA AVE., SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | $15 | $62 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | PO BOX 743171 LOS ANGELES, CA 900743171 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | 12520 HIGH BLUFF DR SUITE 240 SAN DIEGO, CA 92130 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 2300 WEST SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | PO BOX 743171 LOS ANGELES, CA 900743171 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $592 | $151 | $743 | 9.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | PO BOX 743171 LOS ANGELES, CA 900743171 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | $0 | $13 | 28.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6 | $0 | $6 | 13.04% |
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 | 1,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 24 | $23K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $279K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 851 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 439 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 439 | $84K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 439 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.