| 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 | $15K | — | $15K | 2.00% |
| 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 | — | $1K | $1K | 4.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Claims processing; Contract Administrator Service code 10 | — | $923K |
| AETNA NONE | Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $444K |
| BROWN & BROWN OF WASHINGTON, INC. EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Insurance services; Consulting (general); Direct payment from the plan Service code 16 | — | $103K |
| UNITE HERE LOCAL 8 EIN 91-0968179 PARTICIPATING LOCAL | Other services; Direct payment from the plan Service code 49 | — | $74K |
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Other services; Direct payment from the plan Service code 49 | — | $46K |
| WEINBERG, ROGERS & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| BANK OF AMERICA, NA EIN 94-1687665 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $29K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $25K |
| US BANK N.A. EIN 31-0804136 NONE | Float revenue; Soft dollars commissions; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $24K |
| KRISTIN MANWARING INSURANCE EIN 20-4650764 NONE | Insurance agents and brokers; Insurance services; Direct payment from the plan Service code 22 | — | $24K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
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 | 1,695 | 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) | 1,695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 135 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,916 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,546 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,596 | $83K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,773 | $761K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,546 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,916 | — |
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.