| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MINNESOTA, INC. | TIMONTHY L SCHWARTZ 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | HEALTHPARTNERS, INC | $25K | $3 | $25K | 5.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF WI | 1131 MAIN STREET SUITE 800 ONALASKA, WI 54650 | MERITIAN HEALTH | $3K | — | $3K | 5.59% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST. LOUIS, MO 63126 | MERITIAN HEALTH | — | $2K | $2K | 3.35% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET ST. PAUL, MN 55101 | MERITIAN HEALTH | — | $2K | $2K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $418 | $418 | 0.75% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC | 110 | $455K |
| Dental | MERITIAN HEALTH | 135 | $62K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $56K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $56K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.