| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | MEDICA | $17K | $13K | $30K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | MEDICA | $12K | — | $12K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | MEDICA | $8K | — | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | MEDICA | $8K | — | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | MEDICA | $5K | — | $5K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | MEDICA | $2K | — | $2K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $649 | $5K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCT LLC | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $514 | $4K | 7.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | MEDICA | $1K | — | $1K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $415 | $5K | 9.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $196 | $2K | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, ME 55428 | DELTA DENTAL OF MINNESOTA | $602 | — | $602 | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $305 | $17 | $322 | 15.82% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | MEDICA | 168 | $2.6M |
| Dental(5 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 171 | $186K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 285 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 298 | $50K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.