| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $37K | — | $37K | 1.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $23K | $0 | $23K | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 8.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.52% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.26% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 8.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $538 | $0 | $538 | 3.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 530 WEST PLEASANT STREET, SUITE 100 MANKATO, MN 56001 | UNUM INSURANCE COMPANY | $237 | $90 | $327 | 7.29% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 240 | $2.8M |
| Vision | VISION SERVICE PLAN | 75 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $151K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $151K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 240 | $2.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.