| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS INSURANCE COMPANY | $17K | $0 | $17K | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS INSURANCE COMPANY | $12K | $36 | $13K | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 80 S EIGHTH ST STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF SOUTH DAKOTA | $2K | $0 | $2K | 1.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.15% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $934 | $0 | $934 | 2.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SEVICES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $751 | $751 | 2.52% |
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 |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 330 | $1.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 350 | $135K |
| Vision | VISION SERVICE PLAN | 191 | $46K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 345 | $89K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 345 | $89K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 345 | $89K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 330 | $1.9M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 345 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
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.