| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $51K | $3K | $54K | 3.38% |
| USI INSURANCE SERVICES LLC3 | 8331 NORMAN CENTER DRIVE SUITE 500 MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 5.92% |
| WHEELER ASSOCIATES3 | 324 WEST SUPERIOR STREET SUITE 1000 DULUTH, MN 55802 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 3.43% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $623 | $623 | 0.26% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER ROAD WALTHAM, MA 02453 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.72% |
| WHEELER ASSOCIATES3 Filed as: WHEELER FINANCIAL SERVICES, INC. | 324 WEST SUPERIOR STREET SUITE 1000 DULUTH, MN 55802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $785 | $0 | $785 | 8.07% |
| USI INSURANCE SERVICES LLC3 | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | $0 | $112 | 1.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203373 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $914 | $0 | $914 | 9.91% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 265 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 154 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 197 | $244K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 197 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 197 | $244K |
| Prescription drug | MEDICA INSURANCE COMPANY | 265 | $1.6M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 197 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.