| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 5.48% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.14% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| LTCI PARTNERS LLC3 | 100 N FIELD SR STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA LIFE INSURANCE COMPANY | $381 | $0 | $381 | 0.28% |
| WENDY ZAKARIASEN3 | 7962 TIMBER LAKE DR EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $301 | $0 | $301 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED | $4K | $0 | $4K | 10.08% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 14.42% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $770 | $0 | $770 | 5.01% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $271 | $0 | $271 | 8.77% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $103 | $0 | $103 | 3.33% |
| LTCI PARTNERS LLC3 | 100 N FIELD SR STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $90 | $0 | $90 | 2.91% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 154 | $139K |
| Vision | EYEMED | 663 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 598 | $503K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 598 | $503K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 598 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.