| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE ATTN KARI STIMAC CHICAGO, IL 60673 | HEALTHPARTNERS INSURANCE COMPANY | — | $34K | $34K | 2.50% |
| AHMANN MARTIN3 Filed as: AHMANN AND MARTIN | 7555 MARKET PLACE DRIVE ATTN RONA KRENIK EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INSURANCE COMPANY | — | $7K | $7K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | PO BOX 93076 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $784 | $8K | 12.15% |
| RJ AHMANN BENEFITS LLC3 | 7555 MARKET PLACE DR. EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | $44 | $792 | 1.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $552 | — | $552 | 8.33% |
| AHMANN MARTIN3 Filed as: AHMANN-MARTIN RISK AND BEN. CONS. | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $48 | — | $48 | 0.72% |
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 | 152 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 248 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 149 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $68K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $68K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.