| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 ATTN STEPHANIE G. CANDON MINNEAPOLIS, MN 55416 | MEDICA INSURANCE COMPANY | $56K | $2K | $58K | 3.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 14.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $916 | — | $916 | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 1600 UTICA AVE S, STE 600 MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $294 | — | $294 | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 31.99% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 311 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 254 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 353 | $60K |
| Long-term disability | STANDARD INSURANCE COMPANY | 87 | $20K |
| Other | STANDARD INSURANCE COMPANY | 353 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.