| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY | 6500 CITY WEST PARKWAY EDEN PRAIRIE, MN 55344 | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | $14K | — | $14K | 4.08% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 13.36% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST, SUITE 350 CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PAN-AMERICAN LIFE INSURANCE COMPANY | $100 | — | $100 | 0.52% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $168 | — | $168 | 14.63% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD, SUITE 510 MINNEAPOLIS, MN 55416 | UNION SECURITY INSURANCE COMPANY | $103 | — | $103 | 8.97% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $49 | $49 | 4.27% |
| FIELD OLSON3 | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | UNION SECURITY INSURANCE COMPANY | $41 | — | $41 | 3.57% |
| BENE USA LLC3 Filed as: BENE USA, INC. | 1851 LAKE DRIVE WEST CHANHASSEN, MN 55317 | UNION SECURITY INSURANCE COMPANY | $28 | — | $28 | 2.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $17 | $17 | 1.48% |
| THE ABACUS GROUP LLC3 | 252 HARRY LANE BLVD., SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $7 | $7 | 0.61% |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | 543 | $359K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 386 | $135K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 386 | $135K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 386 | $136K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 386 | $135K |
| Prescription drug | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | 543 | $340K |
| Stop-loss / reinsurancereinsurance | PREFERREDONE ADMINISTRATIVE SERVICES, INC. | 543 | $340K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 386 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.