| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| EMPATHIA PACIFIC INC. | 5234 CHESEBRO ROAD SUITE 201 AGOURA HILLS, CA 91301 | EMPATHIA PACIFIC INC. | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF CALIFORNIA | P.O. BOX 1469 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 1,081 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,081 | $10.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,101 | $892K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,081 | $10.1M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,205 | $387K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 751 | $187K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,205 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,205 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.