| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TJB AGENCIES LLC3 | — | BCBS, INC D/B/A BLUE CROSS BLUE SHIELD OF MINNESOTA | $112K | — | $112K | 3.13% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST., STE 1600 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $37K | — | $37K | 11.33% |
| WHEELER ASSOCIATES3 | RYAN COOLE 306 W SUPERIOR ST., STE 1600 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 6.40% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST., STE 1600 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 16.70% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST., STE 1600 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST., STE 1600 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 16.70% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST., STE 1600 DULUTH, MN 55802 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 13.33% |
| TJB AGENCIES LLC3 | 5629 GRAND AVE SUITE 1 DULUTH, MN 55807 | NATIONWIDE LIFE INSURANCE COMPANY | $723 | — | $723 | 9.99% |
| TJB AGENCIES LLC3 | 5629 GRAND AVE SUITE 1 DULUTH, MN 55807 | NATIONWIDE LIFE INSURANCE COMPANY | $6 | — | $6 | 9.84% |
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 | 608 | 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) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS, INC D/B/A BLUE CROSS BLUE SHIELD OF MINNESOTA | 605 | $3.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 104 | $57K |
| Life insurance(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 518 | $470K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 518 | $405K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 518 | $462K |
| Other(5 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 336 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.