| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF MINNESOTA | $159K | $0 | $159K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $32K | $0 | $32K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57K | $0 | $57K | 11.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $19K | $19K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED | $5K | $0 | $5K | 9.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 19.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $715 | $0 | $715 | 19.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 19.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $118 | $0 | $118 | 19.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$12 | $0 | -$12 | — |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,305 | $9.8M |
| Dental | DELTA DENTAL OF MINNESOTA | 1,878 | $604K |
| Vision | EYEMED | 1,668 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 706 | $494K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 706 | $494K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 706 | $494K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 706 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,878 | — |
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.
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.