| 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 | DDMN ASO, LLC | $4K | — | $4K | 6.78% |
| 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 | 14.61% |
| 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 | 9.69% |
| 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 | 10.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PKWY EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | — | $433 | 4.90% |
| MICHELLE J HALLER3 Filed as: MICHELLE J. HALLER | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 2.34% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 1.06% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.81% |
| ATB INSURANCE INC3 Filed as: ATB INSURANCE | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.72% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.71% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.60% |
| 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 | $500 | — | $500 | 9.09% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | — | $140 | 10.01% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | HEALTH PARTNERS | $11K | — | $11K | — |
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. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS | 203 | $0 |
| Dental | DDMN ASO, LLC | 204 | $56K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 128 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.