| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | HEALTHPARTNERS INSURANCE COMPANY | — | $44K | $44K | 0.93% |
| NORTH RISK PARTNERS LLC | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS INSURANCE COMPANY | — | -$6 | -$6 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 7.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 15.06% |
| MARSH & MCLENNAN AGENCY LLC0 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 22.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NORTH RISK PARTNERS LLC3 | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 15.71% |
| WILLIAM FLICKINGER3 | 2830 NORTH BROOKFIELD ROAD BROOKFIELD, WI 53045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $541 | — | $541 | 10.01% |
| NORTH RISK PARTNERS LLC | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $632 | — | $632 | 12.84% |
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 | 568 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 661 | $4.7M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 661 | $4.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 550 | $54K |
| Life insurance(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 568 | $119K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 568 | $142K |
| Other(10 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 568 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.
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.