| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF WASHINGTON INC. | — | THE UNION LABOR LIFE INSURANCE COMPANY | $16K | — | $16K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE AND PENSION ADMIN SERVICE EIN 91-1363171 NONE | Contract Administrator; Claims processing; Copying and duplicating; Direct payment from the plan Service code 12 | — | $431K |
| AETNA EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $142K |
| PATRIOT GROWTH INSURANCE SERVICES EIN 83-1204744 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $66K |
| QUEST INVESTMENT MANAGEMENT EIN 98-0880854 NONE | Investment management; Direct payment from the plan Service code 28 | — | $60K |
| HEALTHLINX LLC EIN 87-0660214 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $45K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| WEINBERG, ROGER & ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| UNION BANK EIN 62-0391065 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $9K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5731067 NONE | Other services; Direct payment from the plan Service code 49 | — | $6K |
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 | 1,921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 2,124 | $15.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 2,320 | $1.7M |
| Vision | VISION SERVICE PLAN | 1,937 | $139K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,072 | $99K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ALTERNATE RISK SOLUTIONS LLC | 1,178 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,072 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,072 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.