| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | AETNA HEALTH, INC. | $65K | — | $65K | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO. | $26K | $14K | $40K | 5.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | AETNA HEALTH, INC | $22K | — | $22K | 3.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 3.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 11.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | PO BOX 743055 LOS ANGELES, CA 900743055 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $241 | — | $241 | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $210 | — | $210 | 6.10% |
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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA HEALTH, INC. | 396 | $3.4M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 396 | $929K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 252 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 375 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 375 | $87K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 375 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.