| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $22K | $22K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $15K | $15K | 0.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 9147 LIGHTHOUSE LN WOODBURY, MN 55129 | DELTA DENTAL OF MINNESOTA | $7K | $0 | $7K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $5K | $0 | $5K | 3.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 452636062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $804 | $3K | 10.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $675 | $427 | $1K | 8.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $688 | $0 | $688 | 5.05% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 257 | $1.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 301 | $134K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $25K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 257 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.