| 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 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 N CENTRAL EXPY STE 1200 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | P O BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $130 | $1K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDW | 8400 NORMANDALE LAKE #1700 BLOOMINGTON, MN 55437 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 4.97% |
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 | 1,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS INC | 1,233 | $4.1M |
| Dental(3 contracts, 3 carriers) | HEALTHPARTNERS INC | 1,233 | $2.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 977 | $62K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 1,167 | $378K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 1,167 | $378K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 1,167 | $378K |
| Other(2 contracts, 2 carriers) | HEALTHPARTNERS INC | 1,233 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.