| 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 | HARTFROD LIFE AND ACCIDENT | $31K | $0 | $31K | 13.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 110 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFROD LIFE AND ACCIDENT | $0 | $584 | $584 | 0.27% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN RAY GRIFFEN | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $662 | $0 | $662 | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $295 | $0 | $295 | 1.27% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN RAY GRIFFEN | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $154 | $0 | $154 | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | $0 | $152 | 0.66% |
| UNKNOWN3 | UNKNOWN ANACORTES, WA 98221 | FIRST CHOICE HEALTH | $1K | $0 | $1K | 9.36% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFROD LIFE AND ACCIDENT | 540 | $256K |
| Short-term disability | HARTFROD LIFE AND ACCIDENT | 540 | $220K |
| Long-term disability | HARTFROD LIFE AND ACCIDENT | 540 | $220K |
| Other(4 contracts, 4 carriers) | HARTFROD LIFE AND ACCIDENT | 618 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.