| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD OF ILLINOIS) | — | $565 | $565 | 0.07% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $99K | — | $99K | 23.85% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W. ERIE STREET SUITE 300 CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.50% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $107 | $107 | 0.03% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $11K | — | $11K | 2.70% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $1K | $31K | 28.99% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 Filed as: PLAN SOURCE BENEFITS ADMINISTRATION | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | — | $562 | 0.52% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS., SRVCS | 5850 GRANITE PKWY. SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.04% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 2.83% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 W. ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $414 | — | $414 | 0.50% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD OF ILLINOIS) | 477 | $1.3M |
| Vision | VISION SERVICE PLAN | 344 | $83K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 469 | $413K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 469 | $413K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD OF ILLINOIS) | 98 | $1.2M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.