| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PATRICIA K KRIHA 7225 NORTHLAND DR N #300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $60K | $27K | $88K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | UNION SECURITY INSURANCE COMPANY | $42K | — | $42K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES INC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, ME 55428 | UNION SECURITY INSURANCE COMPANY | $0 | $18K | $18K | 3.13% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $189 | $2K | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR STE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $27 | $2K | 5.53% |
| APOLLO INSURANCE AGENCY LLC3 Filed as: APOLLO INS AGENCY, A DIVISION OF | NORTH RISK PARTNERS 622 ROOSEVELT RD STE 240 ST CLOUD, MN 56301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 9.99% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 617 | $6.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 895 | $588K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 895 | $588K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 895 | $588K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 895 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.