| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS INC | 600 25TH AVE S STE 205 SAINT CLOUD, MN 56301 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.96% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.15% |
| FLAGSHIP INSURANCE SERVICES INC3 | PO BOX 99 131 6TH ST N WINSTED, MN 55395 | PRINCIPAL LIFE INSURANCE COMPANY | $386 | $0 | $386 | 0.25% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE, INC. | 600 25TH AVE S STE 205 SAINT CLOUD, MN 56301 | VISION SERVICE PLAN | $920 | $0 | $920 | 4.71% |
| FLAGSHIP INSURANCE SERVICES INC3 Filed as: FLAGSHIP INSURANCE SERVICES | PO BOX 99 WINSTED, MN 55395 | VISION SERVICE PLAN | $337 | $0 | $337 | 1.73% |
| JENNINGS INSURANCE OF MN3 | 600 25TH AVE S STE 205 ST CLOUD, MN 56301 | LIFE INSURANCE COMPANY OF NORHT AMERICA | $2K | $0 | $2K | 15.00% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $153K |
| Vision | VISION SERVICE PLAN | 122 | $20K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $164K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $153K |
| Stop-loss / reinsurancereinsurance | BLUE LINK | 116 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.