| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA, INC. | — | PREMERA BLUE CROSS | — | $15K | $15K | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 15.42% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INS SOLUTIONS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA, INC. | 2106 PACIFIC AVE SUITE 501 TACOMA, WA 98402 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA, INC. EIN 91-0378940 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $51K |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 717 | $4.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 489 | $384K |
| Vision | VISION SERVICE PLAN | 309 | $33K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 333 | $120K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 333 | $120K |
| Prescription drug | PREMERA BLUE CROSS | 717 | $4.4M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 333 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.