| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $30K | $4K | $34K | 1.49% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $27K | $4K | $31K | 1.36% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $34 | $11K | 16.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $880 | $5K | 7.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P O BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $32 | $2K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PL 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $945 | $945 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $447 | $2K | 14.05% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 376 | $2.3M |
| Dental | DELTA DENTAL OF MINNESOTA | 403 | $175K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $70K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
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.