| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 2701 NW VAUGHN ST #340 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $592 | $404 | $996 | 1.36% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $715 | — | $715 | 0.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 2701 NW VAUGHN ST #340 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.08% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $803 | — | $803 | 5.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $125 | $158 | $283 | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $606 | $148 | $754 | 7.28% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $496 | — | $496 | 4.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $183 | $183 | 1.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $444 | $92 | $536 | 8.36% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $298 | — | $298 | 4.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $101 | $101 | 1.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $395 | $63 | $458 | 8.87% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $379 | — | $379 | 7.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $76 | $76 | 1.47% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 93 | $73K |
| Vision | STANDARD INSURANCE COMPANY | 170 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 34 | $6K |
| Short-term disability | STANDARD INSURANCE COMPANY | 15 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 10 | $5K |
| Other | STANDARD INSURANCE COMPANY | 34 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.