| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHOWALD INSURANCE AGENCY3 | PO BOX 129 SAINT CLOUD, MN 56302 | MEDICA INSURANCE COMPANY | $74K | $25K | $99K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 1600 UTICA AVE S STE 600 MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $41K | — | $41K | 0.62% |
| MAHOWALD INSURANCE AGENCY3 | 916 W SAINT GERMAIN ST STE 100 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.73% |
| MAHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN ST PO BOX 129 ST CLOUD, MN 56301 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 3.58% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | CARE OF AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | — | $6K | 11.14% |
| MAHOWALD INSURANCE AGENCY3 | 916 W ST GERMAIN ST SUITE 100 ST. CLOUD, MN 56301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.75% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 E. 5TH STREET SUITE 500 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | C/O COLONIAL LIFE AND ACCDNT INS CO POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 1.37% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | CARE OF AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $201 | $3K | 18.43% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | C/O COLONIAL LIFE AND ACCDNT INS CO POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.47% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | C/O COLONIAL LIFE AND ACCDNT INS CO POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.98% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 580 | $6.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 101 | $76K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 471 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 603 | $345K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 603 | $345K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 603 | $345K |
| Other(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 603 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.