| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $49K | $70K | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SYMETRA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 18.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.37% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 563 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 563 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 563 | $2.9M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $61K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $43K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 299 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.