| 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 | 3.44% |
| PATRICIA BRUCE3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.65% |
| PATRICIA BRUCE3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.94% |
| DYSTE AGENCY INC3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.92% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116 | 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 | 237 | $373K |
| Dental | DELTA DENTAL OF MINNESOTA | 241 | $90K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $60K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
No prospect flags tripped on this filing.