| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DRIVE #120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFITS PLANS CORPORATION | $25K | — | $25K | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $8K | — | $8K | 5.58% |
| 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 | $10K | — | $10K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 3.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DRIVE #120 ONALASKA, WI 54650 | QUARTZ HEALTH PLAN CORPORATION | $2K | — | $2K | 10.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WI INC | 1062 OAK FOREST DRIVE SUITE 120 ONALASKA, WI 54650 | 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. | — | $397 | $397 | 2.60% |
| 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 | $438 | $72 | $510 | 11.64% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFITS PLANS CORPORATION | 303 | $1.6M |
| Dental | DELTA DENTAL OF WISCONSIN | 139 | $140K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 167 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 182 | $106K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $106K |
| Prescription drug(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFITS PLANS CORPORATION | 303 | $1.6M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 200 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.