| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | HEALTHPARTNERS INSURANCE COMPANY | $22K | — | $22K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND RD N STE 300 MINNEAPOLIS, MN 55428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $938 | $938 | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $864 | — | $864 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND RD N STE 300 MINNEAPOLIS, MN 55428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $569 | — | $569 | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $514 | $514 | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND RD N STE 300 MINNEAPOLIS, MN 55428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $353 | $353 | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $206 | — | $206 | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7225 NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $503 | — | $503 | 9.93% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 92 | $749K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 98 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $24K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.