| 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 | CALIFORNIA PHYSICIANS SERVICE | — | $105K | $105K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 3.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 3.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $976 | $12K | 10.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 20.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA, INC. | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES OF | P.O. BOX 743055 LOS ANGELES, CA 90074 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| MAXWELL HEALTH3 | 101 TREMONT ST., FL 11 BOSTON, MA 02108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $746 | — | $746 | 2.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | ONE KAISER PLAZA SUITE 1101 OAKLAND, CA 94612 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $877 | — | $877 | 3.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA INC. | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94549 | HARTFORD LIFE AND ACCIDENT | $161 | — | $161 | 14.99% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 263 | $3.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 523 | $32K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $115K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $116K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $115K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 263 | $2.0M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.