| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DR STE 102 ROGERS, MN 55374 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.22% |
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DR STE 102 ROGERS, MN 55374 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 6.93% |
| JAMES ODEGARD3 Filed as: JAMES S ODEGARD | 1 CENTRAL AVE W STE 205 SAINT MICHAEL, MN 55376 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $662 | $0 | $662 | 2.02% |
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DR STE 102 ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $215 | $2K | 7.32% |
| ODEGARD BENEFIT SERVICES LLC3 | 21308 JOHN MILLESS DR STE 102 ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $496 | $0 | $496 | 8.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $363 | $48 | $411 | 7.18% |
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 | 144 | 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. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 155 | $51K |
| Life insurance | STANDARD INSURANCE COMPANY | 144 | $33K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $4K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $31K |
| Other | STANDARD INSURANCE COMPANY | 144 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.