| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON | 800 5TH AVE SEATTLE, WA 98104 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 4.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA, INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $151 | $3K | 13.15% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $208 | — | $208 | 1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WA, INC. | 800 5TH AVE SUITE 2400 SEATTLE, WA 98104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $99 | $2K | 15.75% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $264 | — | $264 | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WA, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WA, INC. | 800 5TH AVE SUITE 2400 SEATTLE, WA 98104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $282 | $16 | $298 | 14.02% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 2.63% |
| 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 | $180 | — | $180 | 8.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA, INC. | 800 5TH AVE SUITE 2400 SEATTLE, WA 98104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 4.97% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 76 | $593K |
| Dental | AETNA LIFE INSURANCE COMPANY | 76 | $593K |
| Vision | VISION SERVICE PLAN | 18 | $2K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $20K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 76 | $593K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.