| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGNCY LLC | 7225 NORTHLAND DR. N, STE 300 ATTN DONN G. SCROGGINS MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $10K | $5K | $16K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 ATTN SHEILA M. NORDQUIST MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $15K | — | $15K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, SUITE 600 ATTN SHEILA NORDQUIST MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $4K | $4K | $9K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGNCY LLC | 7225 NORTHLAND DR. N, STE 300 ATTN DONN G. SCROGGINS MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $3K | — | $3K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | RJF AGENCY, 7225 NORTHLAND DR. STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 3.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA | 1600 UTICA AVE S, SUITE 600 MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGNCY LLC | 7225 NORTHLAND DR. N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $411 | — | $411 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, MARSH AND MCLENNAN AGNCY LLC | 7225 NORTHLAND DRIVE N, NO. 300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $307 | — | $307 | 3.73% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICA INSURANCE COMPANY | 104 | $1.3M |
| Dental | DELTA DENTAL OF MINNESOTA | 144 | $202K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $72K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.