| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $21K | $44K | 10.54% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | — | TRANSAMERICA LIFE INSURANCE CO | $14K | — | $14K | 11.45% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA LIFE INSURANCE CO | $10K | — | $10K | 7.58% |
| LTCI PARTNERS LLC3 | 100 N FIELD SR STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA LIFE INSURANCE CO | $9K | — | $9K | 6.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | TRANSAMERICA LIFE INSURANCE CO | $4K | — | $4K | 3.27% |
| WENDY ZAKARIASEN3 | 7962 TIMBER LAKE DR EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE CO | $293 | — | $293 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 12.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $478 | — | $478 | 5.04% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $343 | — | $343 | 7.09% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | — | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $320 | — | $320 | 6.61% |
| LTCI PARTNERS LLC3 | 100 N FIELD SR STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $194 | — | $194 | 4.01% |
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO | 210 | $131K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 676 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 624 | $422K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 624 | $422K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 624 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.