| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERGE, JODI L.3 | 7555 MARKET PLACE DRIVE EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS, INC. | — | $15K | $15K | 4.52% |
| AHMANN MARTIN3 | 7555 MARKETPLACE DR. EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $381 | $1K | 7.27% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PARKWAY STE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | — | $267 | 1.40% |
| AHMANN MARTIN3 | 7555 MARKETPLACE DR. EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $368 | $2K | 9.87% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PARKWAY STE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $255 | — | $255 | 1.39% |
| AHMANN MARTIN3 | 7555 MARKETPLACE DR EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $888 | $268 | $1K | 8.16% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST PARKWAY STE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | — | $280 | 1.98% |
| AHMANN MARTIN3 | 12600 WHITEWATER DRIVE STE 100 MINNETONKA, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99 | $27 | $126 | 9.15% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY INC | 6500 CITY WEST STE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 2.83% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 110 | $330K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.