| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC. | 1325 FOURTH AVE, SUITE 1705 SEATTLE, WA 98101 | THE UNION LABOR LIFE INSURANCE COMPANY | $34K | — | $34K | 3.00% |
| 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. | — | $2K | $2K | 3.74% |
| PROPEL INSURANCE AGENCY LLC3 | PO BOX 2940 TACOMA, WA 98401 | AMERITAS LIFE INSURANCE CORP. | — | $193 | $193 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing); Contract Administrator Service code 10 | — | $1.3M |
| AETNA NONE | Claims processing; Direct payment from the plan Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $625K |
| BROWN & BROWN OF WA, INC EIN 91-0378940 NONE | Insurance services; Consulting (general); Insurance brokerage commissions and fees; Direct payment from the plan Service code 16 | — | $112K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Other services; Direct payment from the plan Service code 49 | — | $75K |
| UNITEHERE LOCAL 8 EIN 91-0968179 PARTICIPATING LOCAL | Direct payment from the plan; Other services Service code 49 | — | $69K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| WEINBERG, ROGER, AND ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| BANK OF AMERICA, NA EIN 94-1687665 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $29K |
| US BANK N.A. EIN 31-0841368 NONE | Investment management fees paid directly by plan; Float revenue; Custodial (securities); Soft dollars commissions Service code 19 | — | $26K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $20K |
| SERVICE PRINTING CO, INC. EIN 91-0830372 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $17K |
| PSG CONSULTING LLC EIN 27-2345574 NONE | Consulting (general); Direct payment from the plan; Other fees Service code 16 | — | $10K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Other fees; Float revenue Service code 62 | — | $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 | 3,106 | 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) | 3,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 347 | $114K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 3,407 | $50K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,251 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,072 | $210K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,030 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,251 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,407 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.