| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PATRICIA K KRIHA 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 554281575 | MEDICA INSURANCE COMPANY | $92K | $44K | $136K | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N., STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $15K | — | $15K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | UNION SECURITY INSURANCE COMPANY | $36K | $3K | $40K | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR STE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $558 | $4K | 12.26% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | — | $487 | 1.48% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD STE 240 ST CLOUD, MN 56301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF, A MARSH & MCLENNAN AGENCY LLC | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $60 | — | $60 | 15.54% |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 900 | $9.3M |
| Dental | DELTA DENTAL OF MINNESOTA | 740 | $543K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,143 | $61K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 1,191 | $317K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,191 | $317K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 1,191 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,191 | — |
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.