| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LLC | 2701 NW VAUGHN ST STE 340 PORTLAND, OR 97296 | PACIFICSOURCE HEALTH PLANS | $5K | — | $5K | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN OF OREGON LLC | 2701 NW VAUGHN ST STE 340 PORTLAND, OR 97210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN | 2701 NW VAUGHN STREET, #340 PORTLAND, OR 97210 | WILLAMETTE DENTAL GROUP | — | $8K | $8K | 10.00% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PACIFICSOURCE HEALTH PLANS | 289 | $2.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 289 | $308K |
| Vision | PACIFICSOURCE HEALTH PLANS | 283 | $2.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 289 | $228K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 289 | $228K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 289 | $228K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 283 | $2.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 289 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.