| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | HEALTHPARTNERS INC | — | $12K | $12K | 1.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN | 701 S PARKER ST 8TH FL ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $73K | — | $73K | 7.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $52K | — | $52K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 8.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $3K | $20K | 11.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 250 PEHLE AVE PARK 80 W PLAZA TWO SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $37 | $37 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN | 701 S PARKER ST 8TH FL ORANGE, CA 92686 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $71 | — | $71 | 1420.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MYRON MULDER EIN 47-6522568 TRUSTEE | Trustee (directed) Service code 25 | P O BOX 83 PRINSBURG, MN 56281 | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS INC | 1,210 | $2.1M |
| Dental(2 contracts, 2 carriers) | HEALTHPARTNERS INC | 1,210 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 816 | $50K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 688 | $204K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 688 | $204K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 688 | $204K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 158 | $1.0M |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS INC | 1,210 | $1.1M |
| Other(3 contracts, 3 carriers) | HEALTHPARTNERS INC | 1,210 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.