| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | -$3K | — | -$3K | -0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WISCONSIN | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | -$6K | — | -$6K | -0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | -$16K | — | -$16K | -0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 4.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | — | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE #200 TROY, MI 48098 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 5.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FORREST DRIVE SUITE 120 ONALASKA, WI 54650 | HARTFORD LIFE AND ACCIDENT | $754 | $555 | $1K | 17.36% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 343 | $2.1M |
| Dental | DELTA DENTAL OF WISCONSIN | 162 | $175K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 117 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 199 | $153K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 199 | $153K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 199 | $153K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 343 | $2.1M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 234 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.