| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC | $20K | — | $20K | 1.92% |
| 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 SERVICE, INC | $10K | — | $10K | 0.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC | — | $431 | $431 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 6.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W. SUNSET RD. #150 GABRIEL SUAREZ LAS VEGAS, NV 89135 | AMFIRST | $14K | — | $14K | 15.00% |
| MORGAN WHITE LIMITED3 | P O BOX 14067 JACKSON, MS 39236 | AMFIRST | $5K | — | $5K | 5.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN | — | AMFIRST | $2K | — | $2K | 2.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | STANDARD INSURANCE COMPANY | $3K | $864 | $3K | 7.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | STANDARD INSURANCE COMPANY | $542 | — | $542 | 1.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | STANDARD INSURANCE COMPANY | — | $292 | $292 | 0.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 8337 W SUNSET RD STE 150 LAS VEGAS, NV 89113 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 27.95% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC | 191 | $1.1M |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC | 330 | $1.2M |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC | 330 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 254 | $65K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 254 | $65K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 254 | $65K |
| Other(4 contracts, 4 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC | 254 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.