| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 255E SHELDON STREET STE A PRESCOTT, AZ 86301 | BLUE CROSS BLUE SHIELD OF ARIZONA | $46K | — | $46K | 19.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 4.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 850041047 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP, STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BRON INSURANCE OF ARIZONA | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $175 | $4K | 15.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | SIGHTCARE, INC. | $1K | — | $1K | 10.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 131 | $239K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $131K |
| Vision | SIGHTCARE, INC. | 100 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $237K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $237K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 131 | $239K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 131 | $239K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.