| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1001 MARK AVE., SUITE 201 FRESNO, CA 93720 | CALIFORNIA PHYSICIANS SERVICE | — | $85K | $85K | 4.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 3.83% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK WILLIAM HOWARTH | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 8.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 504 REDWOOD BLVD. NOVATO, CA 94947 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 7.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 504 REDWOOD BLVD. NOVATO, CA 94947 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 9.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 743055 LOS ANGELES, CA 90004 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 9.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 3.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | P.O. BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC. | $466 | — | $466 | 0.32% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 20.53% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD FRESNO, CA 93720 | AFLAC | $8K | $481 | $9K | 19.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | VISION SERVICE PLAN | $1K | — | $1K | 4.44% |
| ENROLLEASE3 | 1980 FESTIVAL PLAZA DRIVE LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $61 | — | $61 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | P.O. BOX 743055 LOS ANGELES, CA 90004 | SAFEGUARD HEALTH PLANS, INC. | $2K | $212 | $2K | 9.38% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 24.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2401 E. KATELLA AVENUE ANAHEIM, CA 92806 | CONCERN EAP | $413 | — | $413 | 5.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 120 | $2.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $174K |
| Vision | VISION SERVICE PLAN | 197 | $30K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $218K |
| Short-term disability | AFLAC | 29 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $219K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 120 | $2.6M |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.