| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HARTFORD LIFE AND ACCIDENT | $33K | $26K | $59K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF SOUTH DAKOTA | $23K | $0 | $23K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | VSP | $10K | $0 | $10K | 12.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $4K | $524 | $4K | 9.39% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE STE 1400 MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $4K | $656 | $4K | 11.93% |
| USI INSURANCE SERVICES LLC3 | 6100 FARIVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $63 | $0 | $63 | 0.17% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $39 | $10 | $49 | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $0 | $13 | $13 | 0.04% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FARIVIEW RD #266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 28.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 23.29% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $316 | $0 | $316 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $3K | $497 | $3K | 11.42% |
| USI INSURANCE SERVICES LLC3 | 6100 FARIVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $75 | $0 | $75 | 0.27% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $46 | $12 | $58 | 0.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $0 | $15 | $15 | 0.05% |
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 | 1,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 1,547 | $598K |
| Vision | VSP | 774 | $83K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,224 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,224 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,224 | $1.1M |
| Prescription drug | RX BENEFITS | 819 | $2.4M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,267 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,547 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.