| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGON INC | — | AETNA LIFE INSUANCE CO. | $52K | $3K | $54K | 4.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 2106 PACIFIC AVE SUITE 501 TACOMA, WA 98402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $77 | $4K | 15.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | 800 5TH AVE SUITE 2400 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | — | $343 | $343 | 1.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WASHINGTON INC EIN 91-0378940 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSUANCE CO. | 184 | $1.1M |
| Dental | AETNA LIFE INSUANCE CO. | 184 | $1.1M |
| Vision | AETNA LIFE INSUANCE CO. | 184 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $27K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $27K |
| Prescription drug | AETNA LIFE INSUANCE CO. | 184 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSUANCE CO. | 184 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.