| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORA MCCOLLUM3 | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | HEALTHPARTNERS ADMINISTRATORS, INC | — | $50K | $50K | 31.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $451 | $4K | 18.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $166 | $2K | 19.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 32.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MINNESOTA INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $608 | — | $608 | 15.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | STARMOUNT LIFE INSURANCE COMPANY | $412 | $69 | $481 | 14.01% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $8K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $23K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 170 | $162K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
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.