| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA SELF-INSURED3 Filed as: MEDICA INSURANCE COMPANY | 401 CARLSON PARKWAY MINNETONKA, MN 55305 | MEDICA INSURANCE COMPANY | $0 | $30K | $30K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JON TERRY - MARSH & MCLENNAN AGENCY | 333 SOUTH SEVENTH STREET MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $25K | $2K | $27K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | DDMN ASO, LLC | $9K | $21K | $30K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 12.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $630 | $14K | 15.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $405 | $7K | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2701 SOUTH COLUMBIA ROAD GRAND FORKS, ND 58201 | HARTFORD FIRE INSURANCE COMPANY | $236 | $0 | $236 | 14.99% |
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 | 527 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 653 | $850K |
| Dental | DDMN ASO, LLC | 720 | $301K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 357 | $147K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 320 | $142K |
| Prescription drug | MEDICA INSURANCE COMPANY | 653 | $850K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 653 | $850K |
| Other | HARTFORD FIRE INSURANCE COMPANY | 377 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.