| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | HEALTHPARTNERS, INC. | $0 | $26K | $26K | 1.92% |
| JOHNSON WADE3 | USI INSURANCE SERVICES NATIONAL INC PO BOX 203373 DALLAS, TX 75320 | HEALTHPARTNERS, INC. | $0 | $7K | $7K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N. STE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $206 | $2K | 10.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 400 HWY 169 S ST LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $771 | $90 | $861 | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N. STE. 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $153 | $1K | 11.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 400 HIGHWAY 169 S SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $630 | $73 | $703 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N. STE 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $601 | — | $601 | 6.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | — | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $231 | — | $231 | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203373 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $75 | — | $75 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $500 | $100 | $600 | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAITIONAL | 400 HIGHWAY 169 S SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | $44 | $295 | 3.94% |
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 | 250 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 180 | $1.3M |
| Dental | HEALTHPARTNERS, INC. | 180 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 123 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $17K |
| Prescription drug | HEALTHPARTNERS, INC. | 180 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.