| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | — | $828 | $828 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $8K | $17K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $470 | — | $470 | 10.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMM ASO, LLC EIN 41-1852523 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $11K |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 237 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 113 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $146K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $146K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $146K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.