| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA INSURANCE COMPANY3 | PO BOX 9310 MINNEAPOLIS, MN 554409310 | MEDICA INSURANCE COMPANY | — | $97K | $97K | 23.68% |
| JON SCOTT SWARTZENDRUBER3 Filed as: JON TERRY | 7225 NORTHLAND DR STE 300 MARSH MCLENNAN AGENCY LLC MINNEAPOLIS, MN 55428 | MEDICA INSURANCE COMPANY | $23K | $11K | $34K | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 7225 NORTHLAND DR STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MN ASO LLC | $8K | $18K | $26K | 14.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $11K | — | $11K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSRUANCE COMPANY | — | $3K | $3K | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | LINCOLN NATIONAL LIFE INSURANC COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANC COMPANY | — | $1K | $1K | 3.00% |
| VAALER INSURANCE INC3 | 2701 S COLUMBIA RD PO BOX 12848 GRAND FORKS, ND 58201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $288 | $0 | $288 | 15.00% |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MN ASO LLC | 635 | $182K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 308 | $78K |
| Long-term disability | LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 278 | $89K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 609 | $410K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.