| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 5.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC - TACOMA | — | DELTA DENTAL OF WASHINGTON | $13K | — | $13K | 5.38% |
| ANTIK LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 17.77% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 9.32% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| ANTIK LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 18.76% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ANTIK LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.22% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON INC | — | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | — | AMERITAS LIFE INSURANCE CORP. | — | $277 | $277 | 0.80% |
| ANTIK LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 18.47% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.63% |
| ANTIK LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 21.28% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.89% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| ANTIK LLC3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 24.49% |
| WEST RIDGE INSURANCE AGENCY, INC.3 Filed as: WEST HILLS INS AGENCY LLC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.93% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $497K |
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 | 415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 67 | $200K |
| Dental | DELTA DENTAL OF WASHINGTON | 551 | $240K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 913 | $35K |
| Life insurance(6 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 244 | $236K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 244 | $36K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $466K |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 913 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.