| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 215 N CENTRAL AVE SUITE 6 DULUTH, MN 55807 | BCBS, INC D/B/A BLUE CROSS BLUE SHIELD OF MINNESOTA | $133K | — | $133K | 3.50% |
| WHEELER ASSOCIATES3 | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93K | $2K | $94K | 15.85% |
| WHEELER ASSOCIATES3 | 324 W SUPERIOR ST STE 1000 DULUTH, MN 55802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $4K | $13K | 8.81% |
| TJB AGENCIES LLC3 | 5629 GRAND AVE SUITE 1 DULUTH, MN 55807 | NATIONWIDE LIFE INSURANCE COMPANY | $706 | — | $706 | 9.99% |
| TJB AGENCIES LLC3 | 5629 GRAND AVE SUITE 1 DULUTH, MN 55807 | NATIONWIDE LIFE INSURANCE COMPANY | $1 | — | $1 | 20.00% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | 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 | 336 | $3.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $594K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $747K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $594K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $740K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 568 | $747K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.