| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $894 | $5K | 8.70% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $587 | $5K | 12.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $501 | $4K | 10.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $310 | $4K | 18.17% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR CHARLOTTE, NC 28210 | ALLSTATE BENEFITS | $834 | — | $834 | 6.32% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | ALLSTATE BENEFITS | $70 | — | $70 | 0.53% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $789 | $80 | $869 | 15.21% |
| BROWN & BROWN INSURANCE SERVICES3 | 80 SOUTH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | $7 | $102 | 12.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES, I CONSULTANT | Insurance agents and brokers Service code 22 | 901 MARQUETTE AVENUE STE 1800 MINNEAPOLIS, MN 55402 | $6K |
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 ADMINISTRATOR | Plan Administrator Service code 14 | — | $5K |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 302 | $151K |
| Vision | AETNA LIFE INSURANCE COMPANY | 302 | $151K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $37K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $39K |
| Other(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 208 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.