| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 530 WEST PLEASANT STREET, SUITE 100 MANKATO, MN 56002 | HEALTH PARTNERS INSURANCE COMPANY | $19K | — | $19K | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 7301 OHMS LANE, SUITE 210 MINNEAPOLIS, MN 55439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $19K | 21.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN, INC | 7301 OHMS LANE MINNEAPOLIS, MN 55439 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 13.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN, INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $85 | — | $85 | 1.13% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INSURANCE COMPANY | 141 | $507K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 96 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $90K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.