| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE CANDON3 Filed as: STEPHANIE CANDON, JULIE HIRMAN | WILLIS OF MINNESOTA, INC. 93076 NETWORK PLACE CHICAGO, IL 60673 | HEALTHPARTNERS, INC. | — | $50K | $50K | 4.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 14.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $592 | — | $592 | 1.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $382 | — | $382 | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $311 | — | $311 | 1.32% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 128 | $1.2M |
| Dental | HEALTHPARTNERS, INC. | 128 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 167 | $39K |
| Short-term disability | STANDARD INSURANCE COMPANY | 167 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 167 | $23K |
| Other | STANDARD INSURANCE COMPANY | 167 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.