| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF MN INC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN NORTH MANKATO | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC. | 1120 SOUTH AVENUE MANKATO, MN 56003 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC. | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $392 | — | $392 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $126 | $3K | 16.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $839 | $63 | $902 | 11.92% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $1.0M |
| Dental | DELTA DENTAL OF MINNESOTA | 106 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $1.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $23K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.