| 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 | $35K | $31K | $66K | 11.62% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF AMAHA LIFE INS CO | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.93% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.37% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | TRANSAMERICA LIFE INSURANCE COMPANY | $738 | $0 | $738 | 0.62% |
| WENDY ZAKARIASEN3 | 7962 TIMBER LAKE DR EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $301 | $0 | $301 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $4K | $0 | $4K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 12.01% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $916 | $0 | $916 | 5.00% |
| 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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 150 | $123K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 711 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $569K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $569K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.