| 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 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $570 | $6K | 7.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $358 | $5K | 10.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $121 | $3K | 15.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 530 WEST PLEASANT STREET SUITE 100 MANKATO, MN 56001 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $79 | $1K | 12.71% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 143 | $48K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 100 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $92K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $76K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 134 | $169K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $92K |
| 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."
No prospect flags tripped on this filing.