| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE, INC. | 1 SOUTH LOS CARNEROS ROAD GOLETA, CA 93117 | BLUE CROSS OF CALIFORNIA | $30K | $0 | $30K | 4.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE, INC. | 3 HAMILTON LANDING, SUITE 160 NOVATO, CA 94949 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE, INC. | PO BOX 3070 RICHMOND, VA 23228 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE, INC. | 1001 MARK AVENUE, SUITE 201 CARPINTERIA, CA 93013 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE, INC. | 3697 MOUNT DIABLO BOULEVARD SUITE 100 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $248 | $2K | 16.95% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 266 | $705K |
| Dental | BLUE CROSS OF CALIFORNIA | 266 | $705K |
| Vision | VISION SERVICE PLAN | 136 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $13K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 266 | $705K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.