| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC | 901 MARQUETTE AVE - STE 1800 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $81K | — | $81K | 12.32% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BLVD- STE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 5.32% |
| WEBTPA EMPLOYER SERVICES LLC3 Filed as: WEBTPA EMPLOYER SERVICES, LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 1.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC | 100 RIALTO PLACE - STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 1.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC.-CHARLES LEATHAM | 80 SOUTH 8TH STREET-STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $12K | — | $12K | 5.00% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 80 SOUTH 8TH STREET - STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $206 | $4K | 5.09% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $967 | — | $967 | 1.32% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $459 | $459 | 0.63% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE., STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $6K | — | $6K | 9.99% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD - STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | -$5 | — | -$5 | -0.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 4.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC | 80 SOUTH 8TH STREET - STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 2.02% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.35% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.32% |
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 | 701 | 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) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 672 | $246K |
| Vision | VISION SERVICE PLAN | 233 | $56K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 701 | $732K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 701 | $658K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 701 | $658K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 701 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.