| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 891024397 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 891193761 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743174 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC. | C/O PIPER JORDAN PO BOX 743171 LOS ANGELES, CA 900743171 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | $0 | $47K | 14.67% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | PO BOX 743171 LOS ANGELES, CA 900743171 | VISION SERVICE PLAN | $8K | $0 | $8K | 2.88% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 891024397 | VISION SERVICE PLAN | $6K | $0 | $6K | 2.12% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NC 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NEVADA INC. | C/O PIPER JORDAN PO BOX 743171 LOS ANGELES, CA 900743171 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.62% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 62.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 12520 HIGH BLUFF DRIVE SUITE 240 SAN DIEGO, CA 92130 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 8.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. OF NEVADA INC. | C/O PIPER JORDAN PO BOX 743171 LOS ANGELES, CA 900743171 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.01% |
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 | 5,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $497K |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,365 | $872K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,805 | $290K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,046 | $355K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,046 | $330K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,046 | $330K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,046 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,046 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.