| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MINNESOTA | $11K | $0 | $11K | 2.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $8K | $15K | 3.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $590 | $4K | 9.75% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.20% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $45 | $3K | 6.45% |
| TRAM STRUVE4 | 1790 SPINAKER DRIVE WOODBURY, MN 55125 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 10.69% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $762 | $0 | $762 | 5.37% |
| MIDWEST BENEFITS SOLUTIONS, LLC4 Filed as: MIDWEST BENEFITS SOLUTIONS LLC | 27302 ATKINS PLACE TEA, SD 57064 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | $0 | $28 | 0.20% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TMA @ YOUR SERVICE, LLC DBA WELLWORKS FOR YOU | 409 | $20K |
| Dental | DELTA DENTAL OF MINNESOTA | 962 | $393K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $378K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $378K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $378K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.