| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC/HMO COLORADO | $9K | — | $9K | 2.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERV INC | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 14.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | HUMANA INSURANCE COMPANY | $4K | $5K | $9K | 11.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | HUMANA INSURANCE COMPANY | $926 | — | $926 | 1.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 456 MONTGOMERY ST SAN FRANCISCO, CA 94104 | HUMANA INSURANCE COMPANY | -$14 | — | -$14 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $7K | $915 | $8K | 17.87% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $4K | $788 | $5K | 12.00% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $3K | $432 | $4K | 17.93% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS LLC | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 17.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 3428 WINTERHAVEN ST #201 LAS VEGAS, NV 89108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $529 | — | $529 | 2.81% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS LLC | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 17.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 3428 WINTERHAVEN ST #201 LAS VEGAS, NV 89108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $448 | — | $448 | 2.75% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS LLC | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 3428 WINTERHAVEN ST #201 LAS VEGAS, NV 89108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $265 | — | $265 | 2.28% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS LLC | 970 RESERVE DR SUITE 200 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 3428 WINTERHAVEN ST #201 LAS VEGAS, NV 89108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $217 | — | $217 | 2.01% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $3K | — | $3K | 25.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $2K | $161 | $2K | 16.52% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 25.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $1K | $123 | $1K | 16.53% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 24.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD #150 LAS VEGAS, NV 89113 | UNUM INSURANCE COMPANY | $1K | $112 | $1K | 16.56% |
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 | 156 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC/HMO COLORADO | 234 | $564K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 142 | $118K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 142 | $118K |
| Life insurance | UNUM INSURANCE COMPANY | 105 | $22K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 94 | $62K |
| Long-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 94 | $65K |
| Other(7 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 124 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.