| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC. | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 10.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | — | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $32K | — | $32K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.15% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 0.51% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 530 WEST PLEASANT STREET MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $96 | $2K | 16.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $724 | $54 | $778 | 11.54% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 52 | $32K |
| Dental | DELTA DENTAL OF MINNESOTA | 67 | $46K |
| Vision | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 52 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $19K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.