| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | — | $28K | 6.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | 2701 NW VAUGHN ST STE 340 PORTLAND, OR 97210 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SVCS EIN 81-0391256 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $337K |
| BROWN & BROWN OF OREGON LLC EIN 93-0518576 BROKER | Insurance agents and brokers Service code 22 | — | $74K |
| MULTIPLAN INC EIN 13-3068979 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $71K |
| FIRST STOP HEALTH EIN 45-1542956 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $32K |
| HOMETOWN HEALTH PROVIDERS EIN 88-0177026 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $11K |
| DISCOVERY BENEFITS EIN 06-1593514 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 2,533 | 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) | 2,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 2,158 | $673K |
| Vision | VISION SERVICE PLAN | 1,402 | $149K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,934 | $406K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,934 | $406K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 1,861 | $337K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 3,522 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,522 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.