| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MN INC | 530 W PLEASANT ST STE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $404 | $5K | 8.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF WI | 1131 MAIN STREET ONALASKA, WI 54650 | MERITAIN HEALTH | $4K | — | $4K | 12.66% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST. LOUIS, MO 63126 | MERITAIN HEALTH | — | $3K | $3K | 7.59% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SUITE 800 ST. PAUL, MN 55101 | MERITAIN HEALTH | $2K | — | $2K | 6.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 W PLEASANT ST STE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $116 | $2K | 15.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 W PLEASANT ST STE 100 MANKATO, MN 56001 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $71 | $1K | 12.76% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MERITAIN HEALTH | 171 | $33K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 91 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $54K |
| Stop-loss / reinsurancereinsurance | BCBSMN, INC, D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 130 | $141K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.