| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $17 | $5K | 4.60% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE SOUTH #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 16.31% |
| WESTERN INSURANCE AGENCY INC3 | 7616 CURRELL BLVD SUITE 290 WOODBURY, MN 55125 | STANDARD INSURANCE COMPANY | $3K | $172 | $4K | 6.31% |
| WINONA AGENCY, INC.3 Filed as: WINONA AGENCY, DBA WA GROUP | PO BOX 919 WINONA, MN 55987 | EYEMED VISION CARE | $757 | — | $757 | 8.37% |
| WESTERN INSURANCE AGENCY INC3 | PO BOX 919 WINONA, MN 55987 | EYEMED VISION CARE | $148 | — | $148 | 1.64% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $108K |
| Vision | EYEMED VISION CARE | 169 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $16K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 98 | $14.4M |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 150 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.