| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 W PLEASANT ST STE 100 NORTH MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $165 | $3K | 15.75% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 W PLEASANT ST STE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | — | $769 | 6.97% |
| BRIDGET ZUNIGA3 Filed as: BRIDGET AUSMAN | 1086 HOWARD STREET SAN FRANCISCO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 1.52% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $119 | $119 | 1.08% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 35.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 W PLEASANT ST STE 100 MANKATO, MN 56001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 15.43% |
| BRIDGET ZUNIGA3 Filed as: BRIDGET AUSMAN | 1086 HOWARD STREET SAN FRANCISCO, CA 94103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 3.00% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUMN WAY ROGERS, MA 55374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $11 | $11 | 1.57% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $23K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $11K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.