| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KING AND COMPANIES, INC.3 | 150 E TRAVELER TRAIL SUITE C BURNSVILLE, MN 55337 | HEALTH PARTNERS | $31K | $9 | $31K | 3.88% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR BENEFIT ADVISORS | 7900 INTERNATIONAL DR STE 990 BLOOMINGTON, MN 55425 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 12.62% |
| KINGS & COMPANIES, INC.3 | 150 E. TRAVELERS TRL, SUITE C BURNSVILLE, MN 553376890 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.79% |
| SUPERIOR BENEFIT ADVISORS LLC3 | 3500 AMERICAN BLVD BLOOMINGTON, MN 55431 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 4.08% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE, 990 BLOOMINGTON, MN 55425 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 2.93% |
| ASSUREDPARTNERS3 Filed as: SUPERIOR BENFIT ADVISORS, LLC | 7900 INTERNATIONAL DR. STE. 990 BLOOMINGTON, MN 55425 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS) | $286 | — | $286 | 10.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 E 5TH ST STE 500 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS) | $229 | — | $229 | 8.01% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH PARTNERS | 50 | $886K |
| Dental | DELTA DENTAL OF MINNESOTA | 60 | $48K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS) | 25 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $98K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $98K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $98K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.