| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J A COUNTER & ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | BCBSMN, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $11K | — | $11K | 3.29% |
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER ASSOCIATES INC | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.84% |
| DYSTE AGENCY INC3 | DBA DYSTE WILLIAMS AGENCY 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.17% |
| J A COUNTER & ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $244 | $2K | 8.29% |
| PATRICIA BRUCE3 | 6465 WAYZATA BLVD STE 700 MINNEAPOLIS, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $480 | — | $480 | 1.81% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | 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 | 203 | $337K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $68K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $95K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $68K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.