| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $69K | — | $69K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $21K | — | $21K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARKHIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $102 | $9K | 7.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $158 | $1K | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $985 | — | $985 | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | METROPOLITAN LIFE INSURANCE COMPANY | — | $984 | $984 | 0.79% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 20 NORTH LAKE STREET SUITE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 12.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 9655 SCHMIDT LAKE ROAD MINNEAPOLIS, MN 55442 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.78% |
| SHANON M MCGAVER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.88% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET NORTH SUITE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $798 | — | $798 | 1.75% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 199 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 212 | $171K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 199 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $170K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $46K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $124K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.