| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MHS INSURANCE AGENCY LLC3 Filed as: MHS INSURANCE AGENCY | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | BLUELINK AMERIHEALTH | $53K | — | $53K | 7.20% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.69% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MHS INSURANCE AGENCY LLC3 Filed as: MHS INSURANCE AGENCY, LLC | 10900 WAYZATA BLVD SUITE 130 MINNETONKA, MN 553055574 | EYEMED VISION CARE | $3K | — | $3K | 11.58% |
| MHS INSURANCE AGENCY LLC3 Filed as: MHS INSURANCE AGENCY | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $404 | — | $404 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $101K |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DDMN ASO, LLC | 508 | $183K |
| Vision | EYEMED VISION CARE | 356 | $24K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 362 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $61K |
| Stop-loss / reinsurancereinsurance | BLUELINK AMERIHEALTH | 227 | $730K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 362 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.