| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $141K | $141K | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 SUNSET ROAD SUITE 150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 6.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 8337 SUNSET ROAD SUITE 150 LAS VEGAS, NC 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 743035 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGNCY OF VA | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $743 | $743 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 743035 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGNCY OF VA | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $700 | $700 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 743035 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGNCY OF VA | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $652 | $652 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 15.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC | 8337 W. SUNSET STE 150 LAS VEGAS, NV 89113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 15.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 743035 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $967 | — | $967 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGNCY OF VA | 11220 ASSET LOOP MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $63 | $63 | 0.65% |
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 | 507 | 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) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 436 | $257K |
| Vision | STANDARD INSURANCE COMPANY | 421 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 507 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 507 | $76K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 496 | $5.0M |
| Other(6 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 507 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.