| 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 | $66K | — | $66K | 6.45% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MHS INSURANCE AGENCY LLC3 Filed as: MHS INSURANCE AGENCY | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | BLUELINK AMERIHEALTH | $6K | — | $6K | 6.01% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.53% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 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 | 9.96% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 55305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MHS INSURANCE AGENCY LLC3 Filed as: MHS INSURANCE AGENCY, INC. | 10900 WAYZATA BLVD STE 130 MINNETONKA, MN 553055574 | EYEMED VISION CARE | $30 | — | $30 | 10.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $104K |
| STRATACOR EIN 41-1852523 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $20K |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 427 | $31K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $179K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 442 | $88K |
| Stop-loss / reinsurancereinsurance(2 contracts) | BLUELINK AMERIHEALTH | 271 | $1.1M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 442 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.