| 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 | $29K | $1K | $30K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $22K | — | $22K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $11K | — | $11K | 9.08% |
| 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 | $7K | $694 | $8K | 14.79% |
| 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 | $7K | $595 | $8K | 16.21% |
| 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 | $348 | $3K | 11.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE | $2K | — | $2K | 14.79% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MEDICA INSURANCE COMPANY | 92 | $1.7M |
| Dental | DELTA DENTAL OF MINNESOTA | 188 | $119K |
| Vision | EYEMED VISION CARE | 219 | $15K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 270 | $53K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 95 | $46K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 270 | $24K |
| Prescription drug(2 contracts) | MEDICA INSURANCE COMPANY | 92 | $1.7M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 270 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.