| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | RELIANCESTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 4.16% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | RELIANCESTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.27% |
| SCOTT HASKINS -SEVENHILLS CLEVELAND3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | AETNA | $117K | — | $117K | 31.84% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 6.48% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $3K | $11K | 3.28% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | SUN LIFE ASSURANCE COMPANY OF CANADA | $729 | — | $729 | 1.62% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $285 | — | $285 | 0.64% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.82% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.94% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.50% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $535 | — | $535 | 1.57% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE SUITE 900 BLOOMINGTON, MN 55425 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 11.61% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PKWY # 100 SUITE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6500 CITY WEST PKWY # 100 EDEN PRAIRIE, MN 55344 | THE HARTFORD | $397 | — | $397 | 15.02% |
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 | 466 | 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) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 466 | $367K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $23K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $40K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $337K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $337K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $337K |
| Stop-loss / reinsurancereinsurance | RELIANCESTAR LIFE INSURANCE COMPANY | 466 | $543K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.