| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $892 | $7K | 6.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $447 | $6K | 10.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $166 | $3K | 15.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $105 | $2K | 12.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM INSURANCE COMPANY | $591 | $184 | $775 | 6.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM INSURANCE COMPANY | $439 | $142 | $581 | 6.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM INSURANCE COMPANY | $375 | $85 | $460 | 8.58% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 156 | $60K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 156 | $74K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $109K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 158 | $314K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.