| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | HEALTHPARTNERS, INC. | $39K | $54 | $39K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 14.19% |
| OSBORNE PROPERTIES LTD PTNRSHP3 Filed as: OSBORNE PROPERTIES DBA | KRAUS-ANERSON INSURANCE 420 GATEWAY BLVD BURNSVILLE, MN 55337 | DELTA DENTAL OF MINNESOTA | $521 | — | $521 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | STANDARD INSURANCE COMPANY | $6K | $428 | $7K | 16.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | STANDARD INSURANCE COMPANY | $6K | $399 | $7K | 15.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | STANDARD INSURANCE COMPANY | $4K | $262 | $4K | 15.98% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 5TH STREET E SUITE 500 SAINT PAUL, MN 55101 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 14.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | AMERITAS LIFE INSURANCE CORP. | $707 | — | $707 | 6.85% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 191 | $798K |
| Dental | DELTA DENTAL OF MINNESOTA | 200 | $71K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 101 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $42K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $27K |
| Prescription drug | HEALTHPARTNERS, INC. | 191 | $798K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 118 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.