| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FINANCIAL GROUP LLC3 | BRIAN T MOE 600 CLEARWATER DR MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $15K | $4K | $19K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNESOTA, MN 55428 | MEDICA INSURANCE COMPANY | $10K | — | $10K | 1.22% |
| ASSOCIATED FINANCIAL GROUP LLC3 | BRIAN T MOE 6000 CLEARWATER DR MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $10K | — | $10K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $7K | — | $7K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $560 | $5K | 5.08% |
| THILL, RICHARD G3 | 6000 CLEARWATER DR MINNETONKA, MN 55343 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $515 | $3K | 3.12% |
| ASSOCIATED BENEFITS & RISK CON3 Filed as: ASSOCIATED BENEFITS & RISK | CONSULTING 6000 CLEARWATER DR MINNETONKA, MN 55343 | UNION SECURITY INSURANCE COMPANY | $5K | $1K | $7K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DR KIMBERLY, WI 54136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $519 | $3K | 7.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $223 | $2K | 4.99% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE | $636 | — | $636 | 9.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE | $414 | — | $414 | 5.92% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICA INSURANCE COMPANY | 172 | $1.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 57 | $99K |
| Vision | EYEMED VISION CARE | 121 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 237 | $104K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 78 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $40K |
| Prescription drug(2 contracts) | MEDICA INSURANCE COMPANY | 172 | $1.4M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 237 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.