| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 W SUNSET STE 150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | $5K | $81K | 5.33% |
| AMY KISTLER3 | 4924 CANTERWOOD DR NW GIG HARBOR, WA 98332 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $19K | — | $19K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 9.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $335 | $3K | 16.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.00% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $603 | — | $603 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $291 | $3K | 16.67% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 9.00% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $524 | — | $524 | 3.00% |
| MICHAEL ENZENBACHER3 | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.21% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $1K | — | $1K | 25.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | UNUM INSURANCE COMPANY | $884 | $89 | $973 | 16.55% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $763 | — | $763 | 25.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 975 KELLY JOHNSON DR LAS VEGAS, NV 89119 | UNUM INSURANCE COMPANY | $458 | $46 | $504 | 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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $1.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 112 | $59K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 112 | $59K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 265 | $12K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $17K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.