| 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 | HEALTHPARTNERS INSURANCE COMPANY | — | $59K | $59K | 2.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $4K | $6K | 7.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $152 | $152 | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $3K | $4K | 7.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $107 | $107 | 0.21% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED* | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 19.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $218 | $218 | $436 | 2.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN, INC. | 505 US 169 #1100 PLYMOUTH, MN 55441 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $61 | — | $61 | 0.66% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 325 | $2.1M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 325 | $2.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 132 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $74K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 81 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $50K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 325 | $2.1M |
| Other(3 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 325 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
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.