| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INCS SERVICES | 1001 MARK AVENUE SUITE 201 CAPINTERIA, CA 93013 | CALIFORNIA PHYSICIANS' SERVICE | — | $124K | $124K | 5.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $37K | $41 | $37K | 2.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | $9 | $9K | 3.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 3697 MT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $8K | $26K | 17.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 3697 MT DIABLO BLVS SUITE 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 18.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | P.O. BOX 743055 LOS ANGELES, CA 90074 | EYEMED VISION CARE | $4K | — | $4K | 10.81% |
| MAXWELL HEALTH3 Filed as: MAXWELL HEALTH - BOR | 101 TREMONT STREET FLOOR 11 BOSTON, MA 02108 | EYEMED VISION CARE | $768 | — | $768 | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | ONE KAISER PLAZA SUITE 1101 OAKLAND, CA 94612 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $853 | — | $853 | 2.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1001 MARK AVENUE SUITE 201 CARPINTERIA, CA 93013 | HARTFORD LIFE AND ACCIDENT | $161 | $107 | $268 | 24.95% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 308 | $4.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 277 | $153K |
| Vision | EYEMED VISION CARE | 605 | $36K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 277 | $153K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 277 | $153K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 277 | $153K |
| Prescription drug(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 308 | $4.1M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 277 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.