| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $88 | $2K | $2K | 0.03% |
| MAHOWALD INSURANCE AGENCY3 | PO BOX 129 SAINT CLOUD, MN 56302 | MEDICA INSURANCE COMPANY | $43 | $2K | $2K | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SRV WEST | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 775 YARD STREET SUITE 200 PO BOX 129 COLUMBUS, OH 43212 | DELTA DENTAL OF MINNESOTA | $9K | — | $9K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | DELTA DENTAL OF MINNESOTA | $633 | — | $633 | 0.71% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | CARE OF AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | — | $6K | 11.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | — | $3K | 8.04% |
| DIRECT BENEFITS, INC. - BOR3 | 55 E. 5TH STREET SUITE 500 ST. PAUL, MN 55101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 4.93% |
| MAHOWALD INSURANCE AGENCY3 | 916 W ST GERMAIN ST # 100 ST. CLOUD, MN 56301 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $894 | — | $894 | 2.44% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/BROKERS* | CARE OF AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $178 | $3K | 14.54% |
| DANIEL S SNIDER3 | 8140 HENRY AVE ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 1.15% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.18% |
| KARRIE CROPPER3 | 810 HENRY AVE ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.16% |
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 | 603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 616 | $6.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 0 | $89K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 562 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $349K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $349K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $349K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.