| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | DELTA DENTAL INSURANCE COMPANY | $67K | $0 | $67K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | $8K | $65K | 11.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | $0 | $19K | 5.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 DALLAS, TX 75312 | KAISER FOUNDATION HEALTH PLAN, INC. | -$4K | $0 | -$4K | -1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $831 | $0 | $831 | 0.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CONNECTICUT, INC | 55 CAPITAL BOULEVARD, SUITE 102 ROCKY HILL, CT 06067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.93% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.23% |
| GBS SPECIALTY MARKETS, LLC3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.11% |
| JOHN W. BUSCH4 | 1005 SOUTH MARTIN LUTHER KING BLVD. TEMPE, TX 76504 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 7.70% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $726 | $0 | $726 | 4.97% |
| RIVIERA PARADISE LLC4 | 1005 SOUTH MARTIN LUTHER KING BLVD. TEMPLE, TX 76504 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $93 | — | $93 | 0.64% |
| KIMBERLY DAWN ACOSTA4 Filed as: KIMBERLY ACOSTA PEPIN | 1026 BRIDLEWOOD NEW BRAUNFELS, TX 78132 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $26 | — | $26 | 0.18% |
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 | 1,221 | 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) | 1,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $362K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,650 | $673K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,556 | $89K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,221 | $571K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,221 | $571K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,221 | $571K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $362K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,221 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,650 | — |
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.