| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | PO BOX 129 ONALASKA, WI 54650 | GUNDERSEN HEALTH PLAN, INC. | $22K | — | $22K | 1.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE INC | 1131 MAIN ST ONALASKA, WI 54650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 3PADMINISTRATORS, INC EIN 20-4139929 | Contract Administrator; Claims processing Service code 12 | 2850 MIDWEST DRIVE, SUITE 106 ONALASKA, WI 54650 | $7K |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUNDERSEN HEALTH PLAN, INC. | 287 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.