| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | REGENCE BLUECROSS BLUESHIELD OF OREGON | $24K | $2K | $26K | 2.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | REGENCE BLUECROSS BLUESHIELD OF OREGON | $11K | — | $11K | 0.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $4K | $9K | 4.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WASHINGTON, INC. | — | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 4.98% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 195 | $1.2M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $232K |
| Vision | REGENCE BLUECROSS BLUESHIELD OF OREGON | 195 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $185K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $185K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $185K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 195 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.