| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNESOTA, MN 55428 | MEDICA INSURANCE COMPANY | $30K | $8K | $38K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $18K | $8K | $27K | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 9.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $1K | $7K | 15.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $926 | $7K | 17.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $536 | $3K | 12.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE | $2K | — | $2K | 13.68% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICA INSURANCE COMPANY | 91 | $1.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 167 | $113K |
| Vision | EYEMED VISION CARE | 191 | $12K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 253 | $48K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 89 | $38K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 253 | $23K |
| Prescription drug(2 contracts) | MEDICA INSURANCE COMPANY | 91 | $1.6M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 253 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.