| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | PO BOX 743171 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $10K | $43K | 12.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.13% |
| 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 | $642 | $8K | 8.81% |
| 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 | $4K | $0 | $4K | 5.13% |
| 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 | $3K | $0 | $3K | 4.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $397 | $8K | 15.75% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $403 | $8K | 15.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 19.91% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $4K | $351 | $4K | 16.01% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $4K | $321 | $4K | 16.23% |
| ROBYN L PIPER3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $4K | $220 | $4K | 15.85% |
| 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. CALIFORNIA CORPORATION | $853 | $139 | $992 | 11.17% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 50 | $44K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,075 | $360K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 913 | $70K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $86K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075 | — |
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.