| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $8K | $8K | 4.49% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $728 | — | $728 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $5K | $5K | 4.53% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $397 | — | $397 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | PO BOX 3529 FORT SMITH, AR 72913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 12.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF OKLAHOMA | — | $3K | $3K | 4.59% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $262 | — | $262 | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 4.75% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $182 | — | $182 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 4.76% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA FE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $178 | — | $178 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $1K | — | $1K | 4.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $975 | — | $975 | 4.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER-CLARK & ASSOCIATE | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-HILLER INC DBA BHC INSURANCE, | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $217 | — | $217 | 4.53% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 29 | $490K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $104K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 102 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $104K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $104K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.