| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $41 | $18K | 8.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $64K |
| BROWN & BROWN OF TACOMA EIN 91-0378940 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $23K |
| VISION SERVICE PLAN EIN 23-7089668 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $13K |
| A.W. REHN & ASSOCIATES, INC. EIN 91-1008626 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $8K |
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 | 565 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $206K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $206K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.