| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS ADMINISTRATORS, INC | — | $40K | $40K | 10.79% |
| 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 | $9K | $1K | $10K | 8.95% |
| 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 | $438 | $6K | 11.71% |
| 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 | $4K | $191 | $4K | 15.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM INSURANCE COMPANY | $674 | $172 | $846 | 6.28% |
| 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 | $107 | $2K | 13.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM INSURANCE COMPANY | $514 | $124 | $638 | 6.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNUM INSURANCE COMPANY | $492 | $83 | $575 | 8.17% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 161 | $54K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 137 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $111K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $111K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 157 | $375K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.