| 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 | HEALTH PARTNERS | $10K | — | $10K | 2.72% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | DDMN ASO, LLC | $4K | — | $4K | 6.25% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.47% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 14.13% |
| 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 | — | $1K | 10.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 2.39% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 1.96% |
| MARK A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.73% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVENUE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.56% |
| JAMIE MCREYNOLDS3 | 4550 MINNETONKA BLVD MINNEAPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.56% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.44% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $519 | — | $519 | 9.99% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123 | — | $123 | 9.96% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS | 223 | $357K |
| Dental | DDMN ASO, LLC | 223 | $59K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 142 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 223 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.