| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $14K | $34K | 4.41% |
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH SUITE 114 PLYMOUTH, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2 | $3K | 0.36% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD, SUITE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434 | $4 | $438 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | VISION SERVICE PLAN | $2K | — | $2K | 1.83% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | VISION SERVICE PLAN | $637 | $0 | $637 | 0.50% |
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 | 1,550 | 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) | 1,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 988 | $129K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,550 | $771K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,550 | $771K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,550 | $771K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,550 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,550 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.