| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 1.18% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 1.17% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | UNUM INSURANCE COMPANY | $23K | $4K | $27K | 7.74% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 1.40% |
| PREFERRED BENEFIT CONCEPTS, INC.3 Filed as: PREFERRED BENEFIT CONCEPTS | 8881 AZTEC DR EDEN PRAIRIE, MN 55347 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $729 | $0 | $729 | 3.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HIGHWAY 169 N SUTE 1100 PLYMOUTH, MN 55441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $0 | $328 | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $108 | $108 | 0.49% |
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 | 2,515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,541 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,541 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 1,022 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,541 | — |
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.