| 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 | $9K | — | $9K | 9.90% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $145 | $5K | 23.84% |
| 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. | $1K | — | $1K | 15.19% |
| 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 | 15.75% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES INC. | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $70 | $26 | $96 | 2.30% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $264 | $28 | $292 | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $182 | — | $182 | 5.52% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $65 | $24 | $89 | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $79 | $79 | 2.39% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $411 | $21 | $432 | 15.75% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 145 | $86K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 104 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $19K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.