| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | HEALTHPARTNERS INSURANCE COMPANY | — | $35K | $35K | 3.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | — | -$4K | -$4K | -0.36% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | — | -$7K | -$7K | -0.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $95 | $13K | 9.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 606750001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.26% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLAND, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $145 | $145 | 0.10% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET STE 300 HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $90 | $4K | 66.55% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLAND, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.10% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $67 | $3K | 66.53% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLAND, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.11% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 216 | $980K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $140K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $140K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $140K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $140K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 287 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.