| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $49K | — | $49K | 4.29% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $1K | $5K | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVS OF CA | 3697 MT DIABLO BLVD, STE 100 LAFAYETTE, CA 94549 | CIGNA HEALTH ANFD LIFE INSURANCE COMPANY OF AMERICA | $20K | $1K | $22K | 10.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SVCS OF CA | 3697 MT. DIABLO BLVD, STE 100 LAFAYETTE, CA 32115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 13.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVS OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | AMERITAS LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVS OF CA | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $147 | $1K | 19.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVS OF CA-SITZMAN | 3697 MT. DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $33 | — | $33 | 3.54% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 244 | $1.2M |
| Dental | CIGNA HEALTH ANFD LIFE INSURANCE COMPANY OF AMERICA | 260 | $203K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 523 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $55K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.