| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA A DUNCAN3 Filed as: PATRICIA K. KRIHA | — | HEALTHPARTNERS INC. | $51K | $2K | $54K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.94% |
| MARSH & MCLENNAN AGENCY LLC3 | — | EYEMED VISION CARE | $2K | — | $2K | 11.68% |
| MARSH & MCLENNAN AGENCY LLC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 15.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $758 | — | $758 | 10.00% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS INC. | 376 | $3.4M |
| Dental | HEALTHPARTNERS INC. | 376 | $3.4M |
| Vision | EYEMED VISION CARE | 182 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $76K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.