| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES INC | 5900 ROWLAND RD MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W, STE. 500 BLOOMINGTON, MN 55431 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 3.86% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $126 | $4K | 19.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $958 | — | $958 | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.25% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES INC | 5900 ROWLAND RD MINNETONKA, MN 55343 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 12.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $854 | — | $854 | 7.08% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $61 | $1K | 11.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | — | $416 | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.32% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES INC. | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $20 | $8 | $28 | 0.60% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $226 | $24 | $250 | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $93 | — | $93 | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $17 | $17 | 0.37% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $13 | $5 | $18 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $4 | — | $4 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $2 | $2 | 0.06% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $358 | $18 | $376 | 11.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 3.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10 | $10 | 0.31% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 178 | $77K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 134 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $21K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
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.