| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | PO BOX 743171 LOS ANGELES, CA 90074 | TUFTS INSURANCE COMPANY | $53K | $5K | $58K | 3.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN DBA PIPER JORDAN | PO BOX 743171 LOS ANGELES, CA 90074 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $40K | $4K | $44K | 3.31% |
| ROBYN PIPER3 | 2300 WEST SAHARA AVE STE 800 LAS VEGAS, NV 89102 | DELTA DENTAL OF MASSACHUSETTS | $2K | $0 | $2K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF NV | PO BOX 743171 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $26K | $2K | $28K | 33.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA PIPER JORDAN | PO BOX 743171 LOS ANGELES, CA 90074 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 55.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV INC. | PO BOX 743171 LOS ANGELES, CA 90074 | EYEMED VISION CARE | $7 | $0 | $7 | 4.73% |
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 | 707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TUFTS INSURANCE COMPANY | 845 | $3.2M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 502 | $190K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 396 | $37K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 845 | $1.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 169 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.