| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | MEDICA INSURANCE COMPANY | $95K | $9K | $104K | 2.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MINNESOTA | $28K | — | $28K | 10.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 6.20% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | RELIASTAR LIFE INSURANCE COMPANY | $41K | — | $41K | 33.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $39K | — | $39K | 31.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMBINED INSURANCE | $19K | — | $19K | 44.90% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | COMBINED INSURANCE | $19K | — | $19K | 44.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 11.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6 | — | -$6 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SHELTERPOINT LIFE INSURANCE COMPANY | $218 | — | $218 | 33.23% |
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 | 907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 912 | $4.8M |
| Dental | DELTA DENTAL OF MINNESOTA | 886 | $276K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,315 | $211K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,315 | $211K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,315 | $211K |
| Prescription drug | MEDICA INSURANCE COMPANY | 670 | $4.8M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,315 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.