| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B & C CONSULTING LLC3 Filed as: B AND C CONSULTING LLC | 8646 EAGLE CREEK CIRCLE, SUITE 106 SAVAGE, MN 55378 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.32% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE AGENCY | 353 NORTH CLARK STREET CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $180 | — | $180 | 0.14% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE AGENCY | 353 NORTH CLARK STREET, SUITE 400 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 14.42% |
| B & C CONSULTING LLC3 Filed as: B AND C CONSULTING, LLC | 8646 EAGLE CREEK CIRCLE, SUITE 106 SAVAGE, MN 55378 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.65% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE AGENCY | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | — | $876 | 1.47% |
| B & C CONSULTING LLC3 Filed as: B AND C CONSULTING, LLC | 8646 EAGLE CREEK CIRCLE, SUITE 106 SAVAGE, MN 55378 | EYEMED | $1K | — | $1K | 8.68% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $126K |
| Vision | EYEMED | 264 | $12K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $123K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $123K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $123K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.