| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 203373 DALLAS, TX 75320 | HEALTHPARTNERS INSURANCE COMPANY | $66K | $1K | $68K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH, SUITE 800 MINNEAPOLIS, MN 55426 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 3.42% |
| WELLS FARGO INSURANCE SERVICES3 | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 1.38% |
| USI INSURANCE SERVICES LLC3 | 1020 36TH STREET SW FARGO, ND 58107 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $152 | $0 | $152 | 0.22% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $68 | $68 | 0.10% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 208 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 286 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 286 | $86K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 185 | $69K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 185 | $69K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 185 | $69K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 208 | $1.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 185 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.