| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INSURANCE SERVICES LLC | PO BOX 99 WINSTED, MN 55395 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.31% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.74% |
| FLAGSHIP INSURANCE SERVICES INC3 | PO BOX 88 WINSTED, MN 55395 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INSURANCE SERVICES LLC | 131 6TH ST N WINSTED, MN 55395 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INS SVCS INC | PO BOX 99 WINSTEAD, MN 55395 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $933 | — | $933 | 5.02% |
| BENEUSA LLC3 | 1851 LAKE DR W #350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $930 | $930 | 5.00% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INSURANCE SERVICES LLC | 131 6TH ST N WINSTED, MN 55395 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.94% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INS SVCS INC | PO BOX 99 WINSTED, MN 55395 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $582 | — | $582 | 5.06% |
| BENEUSA LLC3 | 1851 LAKE DR W # 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $575 | $575 | 5.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $117K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $11K |
| Stop-loss / reinsurancereinsurance | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | 126 | $464K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.