| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HEALTHPARTNERS | $26K | $96 | $26K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $21K | — | $21K | 3.35% |
| FRINGE BENEFIT DESIGN INC3 Filed as: FRINGE BENEFITS DESIGN OF MN INC | — | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $4K | — | $4K | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.18% |
| MICHAEL YURCZYK3 Filed as: MICHAEL MERLE ERPELDING | 5201 EDEN AVE STE 200 EDINA, MN 55436 | NORTHWESTERN MUTUAL | $2K | $432 | $2K | 5.88% |
| HELLYER GROUP LLC3 | STE 150 1191 NORTHLAND DR MENDOTA HTS, MN 55120 | NORTHWESTERN MUTUAL | $309 | $37 | $346 | 1.03% |
| MICHAEL YURCZYK3 Filed as: MICHAEL MERLE ERPELDING | 5201 EDEN AVE STE 200 EDINA, MN 55436 | NORTHWESTERN MUTUAL | $2K | $620 | $2K | 11.58% |
| HELLYER GROUP LLC3 | STE 150 1191 NORTHLAND DR MENDOTA HTS, MN 55120 | NORTHWESTERN MUTUAL | $307 | $37 | $344 | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED VISION CARE | $578 | — | $578 | 6.54% |
| FRINGE BENEFIT DESIGN INC3 Filed as: FRINGE BENEFITS DESIGN OF MN, INC. | 7760 FRANCE AVENUE SOUTH SUITE 950 BLOOMINGTON, MN 55435 | EYEMED VISION CARE | $68 | — | $68 | 0.77% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS | 288 | $1.4M |
| Vision | EYEMED VISION CARE | 203 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $62K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $77K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHPARTNERS | 288 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.