| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS AND RISK CONSUL3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS INSURANCE COMPANY | $40K | — | $40K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HEALTHPARTNERS INSURANCE COMPANY | $19K | $11K | $29K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | STANDARD INSURANCE COMPANY | $4K | $3K | $6K | 2.64% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.31% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 6.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY CO | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, STE. 300 MINNEAPOLIS, MN 55428 | METROPOLITAN LIFE INSURANCE COMPANY | $541 | — | $541 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $270 | $270 | — |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 687 | $4.7M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 442 | $244K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 588 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 710 | $93K |
| Short-term disability | STANDARD INSURANCE COMPANY | 710 | $106K |
| Long-term disability | STANDARD INSURANCE COMPANY | 710 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.