| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $36K | $569 | $36K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HAYS COMPANIES INC A BROWN&BROWN CO | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $7K | $569 | $8K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $25K | $569 | $25K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HAYS COMPANIES INC A BROWN&BROWN CO | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $8K | $569 | $8K | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $11K | $569 | $12K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HAYS COMPANIES INC A BROWN&BROWN CO | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $3K | $569 | $4K | 1.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $7K | $569 | $8K | 4.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HAYS COMPANIES INC A BROWN&BROWN CO | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $2K | $569 | $3K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $3K | $569 | $3K | 4.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HAYS COMPANIES INC A BROWN&BROWN CO | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $924 | $569 | $1K | 2.13% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $11K | $2K | $12K | 19.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 18.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MINNEAPOLIS,MN | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 6.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES INC | 80 SOUTH 8TH ST., SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 3.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN&BROWN INSURANCE SERVICES, INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $385 | — | $385 | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATACOR EIN 41-1852523 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 500 WASHINGTON AVE SOUTH SUITE 2060 MINNEAPOLIS, MN 55415 | $16K |
| BROWN&BROWN INSURANCE SERVICES INC AGENT/AGENCY | Insurance agents and brokers Service code 22 | 2290 LUCIEN WAY MAITLAND, FL 32751 | $5K |
| HAYS COMPANIES INC EIN 83-2217196 AGENT/AGENCY | Insurance agents and brokers Service code 22 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | $3K |
| HAYS COMPANIES INC. | Insurance agents and brokers Service code 22 | — | $2K |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | MEDICA INSURANCE COMPANY | 141 | $2.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 265 | $30K |
| Life insurance | STANDARD INSURANCE COMPANY | 297 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 89 | $40K |
| Other | STANDARD INSURANCE COMPANY | 297 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.