| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $51K | — | $51K | 3.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | — | $799 | $799 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | HEALTHPARTNERS | $10K | — | $10K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N, STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.81% |
| 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 | — | $2K | $2K | 5.93% |
| 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 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.20% |
| DIRECT BENEFITS INC3 | 55 5TH STREET STE 500 SAINT PAUL, MN 551011118 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 16.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 554161020 | AMERITAS LIFE INSURANCE CORP | $546 | — | $546 | 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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 221 | $1.4M |
| Dental | HEALTHPARTNERS | 237 | $98K |
| Vision | AMERITAS LIFE INSURANCE CORP | 264 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
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.