| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINE, JENNIFER3 | 420 GATEWAY BOULEVARD BURNSVILLE, MN 55337 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $33K | $33K | 3.10% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $16K | $16K | 8.87% |
| KRAUS-ANDERSON INSURANCE3 Filed as: KRAUS-ANDERSON INS AGENCY | 420 GATEWAY BOULEVARD BURNSVILLE, MN 55337 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.22% |
| OSBORNE PROPERTIES LTD PTNRSHP3 Filed as: OSBORNE PROPERTIES LTD PARTNERSHIP | 420 GATEWAY BOULEVARD BURNSVILLE, MN 55337 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.34% |
| KRAUS-ANDERSON INSURANCE3 | 420 GATEWAY BOULEVARD BURNSVILLE, MN 55337 | HEALTHIESTYOU C/O TELADOC HEALTH INC | $7K | — | $7K | 15.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 338 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $179K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $179K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $179K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $179K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $179K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 338 | $1.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.