| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 606930331 | PREFERREDONE ADMINISTRATIVE SERVICES INC | $22K | $86K | $108K | 22.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 9800 SHELARD PKWY STE 340 PLYMOUTH, MN 554416452 | DELTA DENTAL OF MN ASO, LLC | $8K | $13K | $21K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 14.67% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROAKOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.04% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX012748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 14.84% |
| VAALER INSURANCE INC3 | P O 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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE ADMINISTRATIVE SERVICES INC | 556 | $480K |
| Dental | DELTA DENTAL OF MN ASO, LLC | 598 | $153K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $130K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $124K |
| Prescription drug | PREFERREDONE ADMINISTRATIVE SERVICES INC | 556 | $480K |
| Stop-loss / reinsurancereinsurance | PREFERREDONE ADMINISTRATIVE SERVICES INC | 556 | $480K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.