| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | STANDARD INSURANCE COMPANY | $34K | $0 | $34K | 13.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY, INC. | 595 STEWART AVENUE, SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 4.22% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BOULEVARD SUITE 2 SAGINAW, MI 48604 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 2.32% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF CENTRAL MICHIGAN | PO BOX 746676 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.13% |
| BROWN & BROWN INSURANCE SERVICES3 | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 13.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY, INC. | 595 STEWART AVENUE, SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.54% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BOULEVARD SUITE 2 SAGINAW, MI 48604 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.27% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF CENTRAL MICHIGAN | PO BOX 746676 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $0 | $964 | $964 | 1.07% |
| BROWN & BROWN INSURANCE SERVICES3 | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 13.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY, INC. | 595 STEWART AVENUE, SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.05% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BOULEVARD SUITE 2 SAGINAW, MI 48604 | STANDARD INSURANCE COMPANY | $0 | $908 | $908 | 2.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF CENTRAL MICHIGAN | PO BOX 746676 ATLANTA, GA 30374 | STANDARD INSURANCE COMPANY | $0 | $431 | $431 | 1.07% |
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 | 737 | 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) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 737 | $244K |
| Short-term disability | STANDARD INSURANCE COMPANY | 280 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 736 | $40K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 737 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.