| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DYSTE AGENCY INC3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $13K | — | $13K | 4.12% |
| PATRICIA BRUCE3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.18% |
| PATRICIA BRUCE3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.14% |
| DYSTE AGENCY INC3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.36% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 123 | $307K |
| Dental | DELTA DENTAL OF MINNESOTA | 239 | $79K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $60K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.