| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 21.51% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 10.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $2K | $9K | 20.28% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 22.26% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 22.44% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 10.93% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $307 | $2K | 11.34% |
| HEALTH SOURCE AMERICA, LLC4 | 211 CARDINAL DR. MANKATO, MN 56001 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $326 | — | $326 | 9.10% |
| THE HORTON GROUP4 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $181 | — | $181 | 5.05% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 69 | $45K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 69 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $61K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.