| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 MINNEAPOLIS, MN 55431 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $96 | $3K | 3.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.67% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DR SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.83% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 MINNEAPOLIS, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 12.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $664 | $0 | $664 | 1.16% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 7900 INTERNATIONAL DR SUITE 990 BLOOMINGTON, MN 55425 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 12.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.89% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD W SUITE 450 MINNEAPOLIS, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $617 | $0 | $617 | 6.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $267 | $0 | $267 | 3.02% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 2 | $92K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $66K |
| Short-term disability | STANDARD INSURANCE COMPANY | 111 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 205 | $66K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.