| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HEALTHPARTNERS INSURANCE COMPANY | $25K | $3K | $28K | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 9.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.15% |
| FOSTER KLIMA BENEFITS LLC3 Filed as: FOSTER K. PARTNERS LLP | 222 MINNETONKA AVENUE SOUTH WAYZATA, MN 55391 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | DELTA DENTAL OF MINNESOTA | $9K | $0 | $9K | 12.28% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 EAST 5TH STREET SAINT PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 6.14% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 139 | $1.0M |
| Dental | DELTA DENTAL OF MINNESOTA | 157 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $173K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $173K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 139 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.