| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | BSBSM, INC D.B.A. BLUE CROSS AND BLUE SHIELD | $75K | $0 | $75K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH STE 300 MINNEAPOLIS, MN 55428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.36% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 20 N LAKE STREET SUITE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.33% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $569 | $0 | $569 | 0.97% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET N STE 220 FOREST LAKE, MN 55025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $522 | $0 | $522 | 0.89% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVE SUITE 207A GRAND JUNCTION, CO 81505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | $0 | $107 | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 9655 SCHMIDT LAKE ROAD MINNEAPOLIS, MN 55442 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.06% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BSBSM, INC D.B.A. BLUE CROSS AND BLUE SHIELD | 215 | $2.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 437 | $138K |
| Vision | BSBSM, INC D.B.A. BLUE CROSS AND BLUE SHIELD | 215 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $133K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 168 | $59K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $133K |
| Prescription drug | BSBSM, INC D.B.A. BLUE CROSS AND BLUE SHIELD | 215 | $2.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
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.