| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMPBELL GALT AND NEWLANDS, INC.3 Filed as: CAMPBELL GALT & NEWLANDS INC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 6.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.66% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 975 OAK STREET EUGENE, OR 97440 | ATLANTIC SPECIALTY INSURANCE COMPANY | $462 | — | $462 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | 2701 NW VAUGHN, #340 PORTLAND, OR 97210 | ATLANTIC SPECIALTY INSURANCE COMPANY | $458 | — | $458 | 4.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 975 OAK STREET EUGENE, OR 97440 | ATLANTIC SPECIALTY INSURANCE COMPANY | $285 | — | $285 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | 2701 NW VAUGHN STREET, #340 PORTLAND, OR 97210 | ATLANTIC SPECIALTY INSURANCE COMPANY | $283 | — | $283 | 4.99% |
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 | 2,847 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | ATLANTIC SPECIALTY INSURANCE COMPANY | 2,847 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,847 | — |
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.