| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | KAISER PERMANTE OF WASHINGTON | $12K | $0 | $12K | 4.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | DELTA DENTAL OF WASHINGTON | $1K | $0 | $1K | 7.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 227 NW LINDVIG WAY POULSBO, WA 98370 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 12.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 701 5TH AVENUE, SUITE 550 SEATTLE, WA 98104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85 | $0 | $85 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 227 NW LINDVIG WAY POULSBO, WA 98370 | FIRST CHOICE HEALTH EAP | $89 | $0 | $89 | 15.08% |
No Schedule C service providers reported on this filing.
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANTE OF WASHINGTON | 129 | $267K |
| Dental | DELTA DENTAL OF WASHINGTON | 139 | $14K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $2K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $9K |
| Prescription drug | KAISER PERMANTE OF WASHINGTON | 129 | $267K |
| Other | FIRST CHOICE HEALTH EAP | 125 | $590 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.