| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $41K | — | $41K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | — | $437 | $437 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | HEALTHPARTNERS | $5K | — | $5K | 6.39% |
| SEVENHILLS CLEVELAND LLC3 Filed as: SEVENHILLS CLEVELAND, LLC | 7900 INTERNATIONAL DR, STE 990 BLOOMINGTON, MN 55425 | HEALTHPARTNERS | — | $59 | $59 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.38% |
| DIRECT BENEFITS INC3 | 55 5TH STREET STE 500 SAINT PAUL, MN 551011118 | AMERITAS LIFE INSURANCE CORP | $730 | — | $730 | 8.86% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFITS, AN ALERA GROUP AGE | 55 5TH STREET STE 500 SAINT PAUL, MN 551011118 | AMERITAS LIFE INSURANCE CORP | $589 | — | $589 | 7.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 554161020 | AMERITAS LIFE INSURANCE CORP | $412 | — | $412 | 5.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 199 | $1.0M |
| Dental | HEALTHPARTNERS | 218 | $73K |
| Vision | AMERITAS LIFE INSURANCE CORP | 220 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
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.