| 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 | $13K | $6K | $19K | 1.78% |
| CARUTH, JENNON, M3 | 6400 FLYING CLOUD DR SUITE 215 EDEN PRAIRIE, MN 55334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $834 | $14K | 38.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $397 | $6K | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.41% |
| CARUTH, JENNON, M3 | 6400 FLYING CLOUD DR SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $266 | $4K | 16.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $125 | $2K | 7.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $941 | $4K | 20.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 3 MINNEAPOLIS, MN 55428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $592 | $2K | 20.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PATRICIA K KRIHA 7225 NORTHLAND DRIVE SUITE 300 MINNEAPOLIS, MN 55428 | HEALTH PARTNERS | $2K | — | $2K | 17.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF MARSH & MCLENNAN AGENCY LLC CO | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED | $762 | — | $762 | 9.73% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 171 | $1.1M |
| Dental | HEALTH PARTNERS | 167 | $10K |
| Vision | EYEMED | 109 | $8K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 114 | $66K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 106 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $28K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.