| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WI INC | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $25K | $0 | $25K | 1.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WI INC | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WI INC | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | KANSAS CITY LIFE INSURANCE CO | $146 | — | $146 | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 1062 OAK FOREST DR #120 ONALASKA, WI 54650 | EMPLOYEE BENEFITS CORPORATION | $320 | $7K | $7K | 104.77% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 328 | $1.8M |
| Dental | DELTA DENTAL OF WISCONSIN | 153 | $107K |
| Life insurance | KANSAS CITY LIFE INSURANCE CO | 175 | $16K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 328 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.