| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV, INC. | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | HEALTH PLAN OF NEVADA | $21K | — | $21K | 0.29% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HWY 34 SOUTH MANASQUAN, NJ 08736 | GUARDIAN | $25K | — | $25K | 13.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 975 KELLY JOHNSON DR STE 100 LAS VEGAS, NV 89119 | GUARDIAN | $8K | — | $8K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF CA | — | GUARDIAN | $7K | — | $7K | 3.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR #100 LAS VEGAS, NV 89119 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 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 | 396 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA | 1,089 | $7.2M |
| Dental | HEALTH PLAN OF NEVADA | 1,089 | $7.2M |
| Vision | HEALTH PLAN OF NEVADA | 1,089 | $7.2M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,107 | $235K |
| Short-term disability | GUARDIAN | 396 | $186K |
| Prescription drug | HEALTH PLAN OF NEVADA | 1,089 | $7.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 1,107 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.