| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.74% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS BKRS INC. | 1201 PACIFIC AVE. SUITE 1000 TACOMA, WA 98402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $887 | $887 | 2.04% |
| BRATRUD MIDDLETON INSURANCE BROKERS3 Filed as: BRATRUD MIDDLETON INS BKRS INC. | 1201 PACIFIC AVE SUITE 1000 TACOMA, WA 98402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $579 | $579 | 2.21% |
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 | 691 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 691 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $21K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 691 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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."
No prospect flags tripped on this filing.