| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | 93245 NETWORK PLACE CHICAGO, IL 60673 | HEALTHPARTNERS INC | — | $2K | $2K | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | 93076 NEETWORK PL CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $627 | — | $627 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 554370000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.14% |
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 | 1,109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INC | 1,277 | $2.1M |
| Dental | HEALTHPARTNERS INC | 1,277 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 964 | $56K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 1,103 | $229K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 1,103 | $257K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,092 | $28K |
| Other(3 contracts, 3 carriers) | HEALTHPARTNERS INC | 1,277 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.