| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD STE 1700 ATTN STEPHANIE G. CANDON BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $38K | $328 | $39K | 1.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $22K | $328 | $23K | 1.01% |
| 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 | $5K | $328 | $6K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $326 | — | $326 | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVD BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INC. | 8400 NORMANDALE LAKE BLVD BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $781 | $0 | $781 | 3.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $776 | $0 | $776 | 3.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $95 | $0 | $95 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 8400 NORMANDALE LAKE BLVDQ SUITE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 15.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVS OF CA INC | PO BOX 101162 PASADENA, MN 91189 | STANDARD INSURANCE COMPANY | $99 | $0 | $99 | 0.45% |
| KARI L STIMAC3 | 9088 BREN ROAD EAST 3RD FLOOR MINNETONKA, MN 55343 | STANDARD INSURANCE COMPANY | $42 | $0 | $42 | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MN INC | 8400 NORMANDALE LAKE BLVD SUITE 1700 BLOOMINGTON, MN 55437 | STANDARD INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA, INC. | 93076 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $954 | — | $954 | 6.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $686 | — | $686 | 4.54% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 310 | $2.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 262 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 385 | $84K |
| Long-term disability | STANDARD INSURANCE COMPANY | 90 | $22K |
| Other | STANDARD INSURANCE COMPANY | 385 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.