| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | MEDICA INSURANCE COMPANY | $23K | — | $23K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-MN | JON L TERRY 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $7K | $891 | $8K | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | 2 PARK PLAZA SUITE 440 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 554161020 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $800 | $2K | 2.33% |
| SK CONSULTING, INC.3 Filed as: SK CONSULTING INC | 1502 99TH CIR NW COON RAPIDS, MN 55433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $677 | $8K | 9.09% |
| ZACHARY M SWARTZENDRUBER3 | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $436 | $2K | 2.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HWY 169 N STE 1100 MINNEAPOLIS, MN 55441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.38% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $753 | $131 | $884 | 1.04% |
| USI INSURANCE SERVICES LLC3 | 7555 MARKET PL DR EDEN PRAIRIE, MN 55344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $650 | — | $650 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $527 | $6K | 8.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 400 LOVELAND, TN 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $654 | $654 | 0.89% |
| SK CONSULTING, INC.3 Filed as: SK CONSULTING INC | 1502 99TH CIRCLE NW COON RAPIDS, MN 55433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $880 | — | $880 | 15.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $715 | $60 | $775 | 13.71% |
| ZACHARY M SWARTZENDRUBER3 | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $33 | $169 | 2.99% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $11 | $95 | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATACOR EIN 41-1852523 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $14K |
| BROWN & BROWN OF TENNESSEE INC AGENT/AGENCY | Insurance agents and brokers Service code 22 | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | $8K |
| MARSH & MCLENNAN AGENCY LLC CO AGENT/AGENCY | Insurance agents and brokers Service code 22 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | $4K |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 292 | $2.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $74K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 480 | $165K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $85K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 480 | $74K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 480 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.