| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON MCCANN BENEFITS LLC3 | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | MEDICA | $16K | — | $16K | 1.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | CHRISTOPHER HANSEN PO BOX 62817 VIRGINIA BEACH, VA 23466 | MEDICA | $9K | $2K | $10K | 1.15% |
| NORTH RISK PARTNERS LLC3 | 206 E LITTLE CANADA RD ST PAUL, MN 55117 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.95% |
| USI INSURANCE SERVICES LLC3 | 901 XENIA AVE S GOLDEN VALLEY, MN 55416 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 4.05% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 7.20% |
| USI INSURANCE SERVICES LLC | 15350 25TH AVE PLYMOUTH, MN 55447 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.75% |
| MEDICAL GROUP INSURANCE SERVICES3 Filed as: MEDICAL GROUP INSURANCE | 1849 W NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 CHERPA PLACE STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $130 | — | $130 | 1.51% |
| RALPH H KEELER3 | 8716 RIVERDALE RD PLATTSMOUTH, NE 68048 | ALLSTATE | $111 | — | $111 | 1.29% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PATTSMOUTH, NE 68048 | ALLSTATE | $83 | — | $83 | 0.97% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PATTSMOUTH, NE 68048 | ALLSTATE | $45 | — | $45 | 0.52% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $31 | — | $31 | 0.36% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | ALLSTATE | $21 | — | $21 | 0.24% |
| USI INSURANCE SERVICES LLC5 Filed as: USI INSURANCE SERVICES | 10324 S DOLFIELD RD OWINGS MILLS, MD 21117 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $574 | — | $574 | 10.00% |
| DIRECT BENEFITS INC5 | 325 CEDAR ST STE 800 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $459 | — | $459 | 8.00% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA | 90 | $896K |
| Dental | UNION SECURITY INSURANCE COMPANY | 63 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 82 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $33K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $33K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
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.