| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 1325 4TH AVENUE, SUITE 1705 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $250 | $250 | 0.03% |
| KENNETH C. HEISER3 | 1 MARINA PARK, SUITE 1600 BOSTON, MA 02210 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.62% |
| KENNETH C. HEISER3 | 33 RIVERSIDE AVENUE RIVERSIDE, CT 06878 | METROPOLITAN LIFE INSURANCE COMPANY | $383 | $0 | $383 | 0.11% |
| SUZANNE M. HAZLETT3 | PO BOX 5378 KETCHUM, ID 83340 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 13.50% |
| ART JETTER AND COMPANY3 Filed as: ART JETTER & COMPANY | 11305 CHICAGO CIRCLE OMAHA, NE 68154 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $58 | $58 | 1.14% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 95 | $1.4M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 1,102 | $630K |
| Vision | VISION SERVICE PLAN | 613 | $86K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 626 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $341K |
| Long-term disability | STANDARD INSURANCE COMPANY | 626 | $886K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 95 | $1.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 626 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.