| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH& MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $33K | — | $33K | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 530 W PLEASANT ST #100 MANKATO, MN 56002 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $21K | — | $21K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 10.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 7301 OHMS LANE STE 210 MINNEAPOLIS, MN 55439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $961 | — | $961 | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | STANDARD INSURANCE COMPANY | $4K | $265 | $4K | 12.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MINNESOTA | 7301 OHMS LANE STE 210 MINNEAPOLIS, MN 55439 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MA 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $730 | $2K | 10.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 7301 OHMS LANE STE 210 MINNEAPOLIS, MN 55439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $517 | — | $517 | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINEAPOLIS, MN 55416 | EYEMED VISION CARE | $630 | — | $630 | 7.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MN INC | 7301 OHMS LANE MINNEAPOLIS, MN 55439 | EYEMED VISION CARE | $314 | — | $314 | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $773 | — | $773 | 11.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MN | 7301 OHMS LANE STE 210 MINNEAPOLIS, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $249 | — | $249 | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $527 | — | $527 | 11.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MN | 7301 OHMS LANE STE 210 MINNEAPOLIS, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $178 | — | $178 | 3.78% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 228 | $2.0M |
| Vision | EYEMED VISION CARE | 170 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 298 | $35K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MINNESOTA | 228 | $2.0M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 298 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
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.