| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 125 E. ELM ST, SUITE 210 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF COLORADO | $3K | $10K | $13K | 19.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | $29K | $76 | $29K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 E. ELM ST, SUITE 210 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | $3K | — | $3K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | $30K | $80 | $31K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 E. ELM ST, SUITE 210 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | $5K | — | $5K | — |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | 263 | $0 |
| Dental | DELTA DENTAL OF COLORADO | 282 | $67K |
| Vision | ROCKY MOUNTAIN HOSPITAL MEDICAL SERVICES INC. | 280 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $27K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.