| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA INSURANCE COMPANY3 | 401 CARLSON PARKWAY MINNETONKA, MN 55305 | MEDICA INSURANCE COMPANY | $0 | $45K | $45K | 6.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JON TERRY-MARSH & MCLENNAN AGENCY | 333 SOUTH SEVENTH STREET MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $24K | $1K | $25K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | DDMN ASO LLC | $8K | $17K | $25K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 14.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $14K | 17.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 14.19% |
| VAALER INSURANCE INC3 Filed as: VAALER INSURANCE | PO BOX 12848 GRAND FORKS, ND 58201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $288 | $288 | $576 | 30.00% |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 675 | $691K |
| Dental | DDMN ASO LLC | 710 | $270K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $138K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $135K |
| Prescription drug | MEDICA INSURANCE COMPANY | 675 | $691K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 675 | $691K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 365 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.