| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 125 E ELM ST., SUITE 210 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $268K | — | $268K | 2.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | — | $913 | $913 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 125 E ELM ST., SUITE 210 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF COLORADO | $22K | $0 | $22K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 125 E ELM ST., SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INS. CO. | $34K | $2K | $36K | 15.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 125 E ELM ST., SUITE 210 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | $2K | — | $2K | 2.18% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF VA., INC. | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | — | $7 | $7 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 125 E ELM ST., SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INS. CO. | $9K | $16 | $9K | 15.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | 125 E ELM ST., SUITE 210 CONSHOHOCKEN, PA 19428 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $134 | $1K | 15.11% |
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 | 3,049 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 1,867 | $12.3M |
| Dental | DELTA DENTAL OF COLORADO | 2,524 | $402K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 2,045 | $100K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INS. CO. | 3,049 | $282K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 60 | $9K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 60 | $9K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INS. CO. | 3,049 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,049 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.