| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY SUITE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS | $10K | $0 | $10K | 3.26% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY SUITE 100 EDEN PRAIRIE, MN 55344 | DDMN ASO, LLC | $350 | $0 | $350 | 0.60% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | — |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | — |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | — |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY SUITE 100 EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | — |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | — |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | — |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVENUE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC | 6500 CITY WEST PARKWAY SUITE 100 EDEN PRIARIE, MN 55344 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $4K | $0 | $4K | — |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | — |
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 | 91 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 197 | $312K |
| Dental | DDMN ASO, LLC | 195 | $58K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 0 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $0 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 102 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.