| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KING AND COMPANIES, INC.3 Filed as: KING & COMPANIES INC | 150 E TRAVELERS TRAIL BURNSVILLE, MN 55337 | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $30K | — | $30K | 4.05% |
| BENEFITS PLUS, INC.3 Filed as: BENEFITS PLUS LLC | 5001 AMERICAN BLVD W STE 620 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 13.72% |
| RONALD MCNAMARA INSURANCE SERV.3 Filed as: RONALD MCNAMARA AGENCY | 1112 HWY 55 SUITE 1 HASTINGS, MN 55033 | HEALTH PARTNERS | $3K | — | $3K | 2.98% |
| BENEFITS PLUS, INC.3 Filed as: BENEFITS PLUS LLC | 5001 AMERICAN BLVD W, SUITE 620 BLOOMINGTON, MN 55437 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 6.81% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 325 CEDAR ST. 800 ST. PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 3.40% |
| BENEFITS PLUS, INC.3 Filed as: BENEFITS PLUS, LLC | 5001 AMERICAN BLVD W, SUITE 620 BLOOMINGTON, MN 55437 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS) | $350 | — | $350 | 10.01% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 325 CEDAR STREET 800 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS) | $280 | — | $280 | 8.00% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 92 | $830K |
| Dental | DELTA DENTAL OF MINNESOTA | 74 | $41K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS) | 31 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $103K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $103K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $103K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.