| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MEDICA INSURANCE COMPANY | $26K | $191 | $26K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $9K | $191 | $9K | 1.04% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | HEALTHPARTNERS | $3K | — | $3K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | HEALTHPARTNERS | $1K | — | $1K | 1.74% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | MUTUAL OF OMAHA INSURANCE COMPANY | $973 | — | $973 | 4.09% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $707 | $707 | 2.97% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $857 | — | $857 | 3.96% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $662 | $662 | 3.06% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $755 | — | $755 | 3.89% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $610 | $610 | 3.14% |
| DIRECT BENEFITS INC3 | 55 5TH ST E STE 500 SAINT PAUL, MN 55101 | AMERITAS LIFE INSURANCE CORP | $981 | — | $981 | 14.49% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE STE 990 BLOOMINGTON, MN 55425 | AMERITAS LIFE INSURANCE CORP | $357 | — | $357 | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | AMERITAS LIFE INSURANCE CORP | $83 | — | $83 | 1.23% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 166 | $876K |
| Dental | HEALTHPARTNERS | 164 | $62K |
| Vision | AMERITAS LIFE INSURANCE CORP | 162 | $7K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 155 | $19K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 155 | $22K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 154 | $24K |
| Other | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 155 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.