| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | SUTTER HEALTH PLAN | $15K | — | $15K | 2.46% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $8K | $300 | $9K | 10.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | — | $265 | $265 | 0.34% |
| BENEFITMALL3 | DEPARTMENT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 25.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $437 | $437 | 1.00% |
| BENEFITMALL3 | DEPARTMENT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 11.87% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $216 | $216 | 0.94% |
| BENEFITMALL3 | DEPARTMENT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $953 | $4K | 25.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $129 | $129 | 0.93% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | INC - 300 NORTH BEACH STRETT DAYTONA BEACH, FL 32114 | ANTHEM HEALTH PLANS OF KY, INC. | $3K | — | $3K | 39.13% |
| BENEFITMALL3 | DEPARTMENT 2027 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY NORTH AMERICA | $111 | $180 | $291 | 13.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY NORTH AMERICA | — | $35 | $35 | 1.58% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 88 | $597K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 182 | $87K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 182 | $87K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY NORTH AMERICA | 226 | $2K |
| Prescription drug | SUTTER HEALTH PLAN | 88 | $589K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.