| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | — | $2K | $2K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $7K | $15K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $474 | — | $474 | 9.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMM ASO, LLC EIN 41-1852523 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 242 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $133K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $133K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $133K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.