| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INSURANCE CONSULTANTS AGENC | 302 WEST SUPERIOR STREET, SUITE 400 DULUTH, MN 558025120 | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | — | $2K | $2K | 0.15% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INSURANCE CONSULTANTS AGENC | 302 WEST SUPERIOR STREET, SUITE 400 DULUTH, MN 558025120 | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | — | $878 | $878 | 0.07% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INSURANCE CONSULTANTS AGENC | 302 WEST SUPERIOR STREET, SUITE 400 DULUTH, MN 558025120 | HMO MINNESOTA D.B.A. BLUE PLUS | — | $1K | $1K | 0.13% |
| JOHNSON INSURANCE CONSULTANTS3 | 400 LONSDALE BLDG 302 W SUPERIOR ST DULUTH, MN 558021802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $666 | $8K | 9.28% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INSURANCE CONSULTANTS AGENC | 302 W SUPERIOR ST, STE 400 DULUTH, MN 558025120 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 277 | $2.4M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 632 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $89K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 632 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.