| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUS-ANDERSON INSURANCE3 Filed as: KRAUS-ANDERSON COMPANIES, INC | 420 GATEWAY BLVD BURNSVILLE, MN 553372790 | HEALTHPARTNERS INSURANCE COMPANY | $50K | — | $50K | 3.94% |
| OSBORNE PROPERTIES LTD PTNRSHP3 Filed as: OSBORNE PROPERTIES LIMITED PTRSHIP | 420 GATEWAY BLVD BURNSVILLE, MN 553372790 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.19% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 161 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $76K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.