| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | $85K | $0 | $85K | 4.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | $0 | $5K | $5K | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 2603 WEST CHARLESTON BOULEVARD LAS VEGAS, NV 89102 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | -$4 | $0 | -$4 | -0.00% |
| NATIONAL HEALTH PLANS & BEN. AGCY.3 | 17717 MASONIC FRASER, MI 48026 | PRINICIPAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 8.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEVADA, INC. | 975 KELLY JOHNSON DRIVE, SUITE 100 LAS VEGAS, NV 89119 | ANTHEM LIFE INSURANCE COMPANY | $0 | $290 | $290 | 0.28% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | 468 | $1.9M |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | 577 | $2.0M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | 468 | $1.9M |
| Life insurance(3 contracts, 3 carriers) | PRINICIPAL LIFE INSURANCE COMPANY | 577 | $263K |
| Short-term disability(2 contracts, 2 carriers) | PRINICIPAL LIFE INSURANCE COMPANY | 577 | $263K |
| Long-term disability(2 contracts, 2 carriers) | PRINICIPAL LIFE INSURANCE COMPANY | 577 | $263K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | 468 | $1.9M |
| Other(4 contracts, 4 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE | 577 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.