| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON INC. | PO BOX 29018 PORTLAND, OR 97296 | PROVIDENCE HEALTH PLAN | $21K | — | $21K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OR LLC | PO BOX 29018 PORTLAND, OR 97296 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $301 | $301 | 0.37% |
| JEWETT, BARTON, LEAVY, KERN IN3 Filed as: JEWETT, BARTON, LEAVY, KERN INC | STE 800 220 NW SECOND AVE PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $75 | $2K | 14.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $49 | $49 | 0.30% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 116 | $705K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $82K |
| Vision | PROVIDENCE HEALTH PLAN | 116 | $705K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $17K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 116 | $705K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.