| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRMAN, JULIE3 | WILLIS TOWERS WATSON MIDWEST, INC. 93245 NE CHICAGO, IL 60673 | HEALTHPARTNERS, INC. | — | $35K | $35K | 2.97% |
| HIRMAN, JULIE3 | WILLIS OF MINNESOTA, INC 93076 NETWORK PLACE CHICAGO, IL 60673 | HEALTHPARTNERS, INC. | — | $17K | $17K | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MA 55437 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 8400 NORMANDALE LAKE BLVD STE 1700 MINNEAPOLIS, MN 55437 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $192 | $192 | 0.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $182 | $182 | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $132 | $132 | 0.49% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 115 | $1.2M |
| Dental | HEALTHPARTNERS, INC. | 115 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 149 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 147 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 147 | $27K |
| Other | STANDARD INSURANCE COMPANY | 149 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
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.