| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORA MCCOLLUM3 | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | HEALTHPARTNERS ADMINISTRATORS, INC | — | $41K | $41K | 24.01% |
| 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 | $5K | $454 | $5K | 15.21% |
| 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 | $3K | $242 | $3K | 15.04% |
| 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 | $8K | — | $8K | 42.75% |
| 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 | $847 | $97 | $944 | 14.54% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 76 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $19K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $35K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 135 | $170K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.