| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PATRICIA K KRIHA 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $15K | $2K | $17K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.24% |
| CARUTH, JENNON, M3 | 6400 FLYING CLOUD DR SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $744 | $8K | 41.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $321 | $3K | 17.59% |
| CARUTH, JENNON, M3 | 6400 FLYING CLOUD DR SUITE 215 EDEN PRAIRIE, MN 55334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $660 | $7K | 43.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $282 | $3K | 18.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PATRICIA K KRIHA 7225 NORTHLAND DRIVE SUITE 300 MINNEAPOLIS, MN 55428 | HEALTH PARTNERS | $1K | $3 | $1K | 17.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED | $687 | — | $687 | 9.38% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 162 | $1.2M |
| Dental | HEALTH PARTNERS | 148 | $8K |
| Vision | EYEMED | 95 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $56K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $35K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $56K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.