| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HEALTHPARTNERS ADMINISTRATORS, INC | $88K | $19K | $107K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $37K | $76K | 11.28% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.80% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | TRANSAMERICA LIFE INSURANCE COMPANY | $671 | $0 | $671 | 0.15% |
| WENDY ZAKARIASEN3 | 7962 TIMBER LAKE DR EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $170 | $0 | $170 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $7K | $0 | $7K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 12.00% |
| PIONEER INSURANCE SVCS LLC3 | 10055 205TH ST W LAKEVILLE, MN 55044 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $126 | $0 | $126 | 2.33% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $111 | $0 | $111 | 2.05% |
| LTCI PARTNERS LLC3 | 100 N FIELD SR STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $97 | $0 | $97 | 1.79% |
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 | 751 | 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) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 143 | $445K |
| Dental | HEALTHPARTNERS ADMINISTRATORS, INC | 1,275 | $816K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 836 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 751 | $677K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 751 | $677K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 1,275 | $816K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 751 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.