| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | — | $892 | $892 | 2.58% |
| PROPEL INSURANCE AGENCY LLC3 | PO BOX 2940 TACOMA, WA 98401 | AMERITAS LIFE INSURANCE CORP. | — | $446 | $446 | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE AND PENSION ADMIN. SERVICE EIN 91-1363171 NONE | Claims processing; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.2M |
| AETNA NONE | Claims processing; Direct payment from the plan Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $572K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Direct payment from the plan; Other services Service code 49 | — | $77K |
| UNITEHERE LOCAL 8 EIN 91-0968179 PARTICIPATING LOCAL | Other services; Direct payment from the plan Service code 49 | — | $76K |
| BROWN & BROWN OF WA, INC EIN 91-0378940 NONE | Consulting (general); Insurance services; Direct payment from the plan Service code 16 | — | $52K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $46K |
| WEINBERG, ROGER, AND ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $37K |
| HEALTH CARE COST MGMT. CORP NONE | Direct payment from the plan; Other services Service code 49 | 3000 A STREET SUITE 300 ANCHORAGE, AK 99503 | $35K |
| US BANK N.A. EIN 31-0841368 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Custodial (securities); Float revenue Service code 19 | — | $27K |
| PROPEL INSURANCE EIN 91-0830024 NONE | Insurance agents and brokers; Consulting (general); Direct payment from the plan; Insurance brokerage commissions and fees Service code 16 | — | $24K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| BANK OF AMERICA MERRILL LYNCH EIN 94-1687665 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $10K |
| CHANGE HEALTHCARE EIN 20-5731067 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $10K |
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 | 2,908 | 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) | 2,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 345 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,669 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,133 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,740 | $186K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,790 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,133 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,133 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.