| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHOWALD INSURANCE AGENCY3 | PO BOX 129 ST. CLOUD, MN 56302 | GUARDIAN | — | $12K | $12K | 3.24% |
| MAHOWALD INSURANCE AGENCY3 | PO BOX 129 ST. CLOUD, MN 56302 | HEALTHPARTNERS INSURANCE COMPANY | — | $6K | $6K | 4.23% |
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 | 504 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 633 | $133K |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 633 | $133K |
| Vision | GUARDIAN | 619 | $385K |
| Life insurance | GUARDIAN | 619 | $385K |
| Long-term disability | GUARDIAN | 619 | $385K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 633 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.