| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HEALTHPARTNERS ADMINISTRATORS, INC | $18K | — | $18K | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DDMN, ASO, LLC | $22K | — | $22K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $261 | $2K | 11.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $1K | — | $1K | 10.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC CO | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $171 | $2K | 13.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHPARTNERS ADMINISTRATORS EIN 41-1629390 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 8170 33RD AVENUE SOUTH BLOOMINGTON, MN 55425 | $141K |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTHPARTNERS ADMINISTRATORS, INC | 527 | $394K |
| Dental | DDMN, ASO, LLC | 552 | $229K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 289 | $14K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINISTRATORS, INC | 527 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.