| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN -PATRICIA K KRIHA | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $35K | $5K | $40K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN -GREGORY J HAFFELY | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $49 | — | $49 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $828 | $5K | 12.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DR STE 206 DURHAM, NC 277056815 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, ME 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $581 | — | $581 | 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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 141 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 122 | $6K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 267 | $43K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 267 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.