| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 1300 W 57TH ST STE 101 SIOUX FALLS, SD 571082885 | MEDICA INSURANCE COMPANY | $64K | — | $64K | 1.37% |
| JOHNSON MCCANN BENEFITS LLC3 Filed as: JOHNSON MCCAIN BENEFITS LLC | 206 LITTLE CANADA ROAD E ST PAUL, MN 551171332 | MEDICA INSURANCE COMPANY | $107 | — | $107 | 0.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE S FARGO, ND 58121 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 1.40% |
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 | 978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 1,823 | $4.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 2,317 | $438K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 1,823 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,317 | — |
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.
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.