| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 2.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MINNESOTA | $12K | $0 | $12K | 3.00% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $367 | $3K | 8.06% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | METROPOLITAN LIFE INSURANCE COMPANY | $133 | $0 | $133 | 0.36% |
| TRAM STRUVE4 | 1790 SPINAKER DRIVE WOODBURY, MN 55125 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 13.25% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $860 | $0 | $860 | 5.09% |
| MIDWEST BENEFITS SOLUTIONS, LLC4 | 27302 ATKINS PLACE TEA, SD 57064 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.14% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 965 | $413K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $414K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $414K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $414K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 965 | — |
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.