| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | ALLINA HEALTH AND AETNA INSURANCE | $27K | $0 | $27K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $391 | $2K | 8.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | EYEMED | $805 | $0 | $805 | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | $62 | $648 | 13.74% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122 | $0 | $122 | 2.59% |
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 | 122 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLINA HEALTH AND AETNA INSURANCE | 140 | $867K |
| Vision | EYEMED | 100 | $8K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $183K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $162K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.