| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DR EDEN PRAIRIE, MN 553442220 | MEDICA INSURANCE COMPANY | — | $443 | $443 | 0.05% |
| CORPORATE HEALTH SYSTEMS INC3 | 15153 TECHNOLOGY DRIVE SUITE B EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INC | — | $507 | $507 | 0.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 3.13% |
| BROKER LISTING ATTACHED3 | — | AFLAC | $3K | $36 | $3K | 20.22% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 194 | $940K |
| Dental | HEALTHPARTNERS INC | 169 | $56K |
| Vision | AFLAC | 21 | $14K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 125 | $35K |
| Short-term disability | AFLAC | 21 | $14K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 125 | $35K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 125 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.