| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $84K | — | $84K | 3.57% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92612 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $33K | — | $33K | 1.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.75% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1 | $1K | 10.18% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.38% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $894 | — | $894 | 11.21% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BLVD. CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 34.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 40.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | $814 | $970 | 62.22% |
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 | 234 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 206 | $2.4M |
| Dental(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 354 | $238K |
| Vision(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 354 | $2.5M |
| Life insurance(3 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 206 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 92 | $34K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $26K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 206 | $2.4M |
| Other(6 contracts, 5 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 206 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.