| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | JOHN C MCDONOUGH 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $94K | $2K | $97K | 1.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MN MINNEAPOLIS | LAURI A HOPKINS 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $48K | — | $48K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $18K | $42K | 13.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN OF MINNESOTA | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | FIRST STOP HEALTH, LLC | $5K | — | $5K | 6.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MINNEAPOLIS, MN | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | FIRST STOP HEALTH, LLC | $2K | — | $2K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY ON BEHALF OF EYEMED | $4K | — | $4K | 7.59% |
| NHB BENEFITS4 | 319 HICKORY ST W STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $825 | — | $825 | 7.00% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $715 | — | $715 | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INS SERVICES | 901 MARQUETTE AVE MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $464 | — | $464 | 3.94% |
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 | 609 | 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) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 821 | $5.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY ON BEHALF OF EYEMED | 753 | $47K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 609 | $317K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 609 | $317K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 609 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.