| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $15K | $8K | $23K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | MEDICA INSURANCE COMPANY | $13K | $0 | $13K | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 5.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.58% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 7825 WASHINGTON AVENUE SOUTH SUITE 710 BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157 | $0 | $157 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $6K | $66 | $6K | 5.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | HEALTHPARTNERS INSURANCE COMPANY | $5K | $0 | $5K | 4.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $8 | $417 | 3.52% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 7825 WASHINGTON AVENUE SOUTH SUITE 710 BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $285 | $0 | $285 | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5 | $5 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | $0 | $170 | 1.73% |
| FINANCIAL CONCEPTS TWIN CITIES INC.3 Filed as: FINANCIAL CONCEPTS TWIN CITIES INC | 505 HIGHWAY 169 NORTH, SUITE 1100 MINNEAPOLIS, MN 55441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $155 | $0 | $155 | 1.58% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 306 | $1.7M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 246 | $106K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $240K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $228K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $228K |
| Prescription drug | MEDICA INSURANCE COMPANY | 306 | $1.7M |
| Other(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 306 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.