| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE | 901 MARQUETTE AVENUE, SUITE1800 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.91% |
| ARCHON LLC3 Filed as: ARCHON BENEFITS | UNKNOWN MINNEAPOLIS, MN 55401 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | PO BOX 749140 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $636 | $6K | 14.48% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY, INC. | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $171 | $3K | 6.53% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | PO BOX 749140 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $637 | $229 | $866 | 4.30% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY, INC. | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $609 | $206 | $815 | 4.04% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $0 | $630 | $630 | 3.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $2K | — | $2K | 17.96% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES, INC. | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $2K | — | $2K | 17.96% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 174 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 147 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $44K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
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.