| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR. BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $35K | $581 | $35K | 3.20% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | MEDICA INSURANCE COMPANY | $18K | — | $18K | 1.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE HORTON GROUP, A MARSH & MCLENNA | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 3.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $282 | $1K | 2.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| USI INSURANCE SERVICES LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 11.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174 | $23 | $197 | 4.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $163 | $163 | 3.69% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 155 | $1.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 162 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 94 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $61K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.