| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203373 DALLAS, TX 75320 | HEALTH PARTNERS INC | $12K | $2K | $15K | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HWY 169 S STE 800 ST LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203373 DALLAS, TX 753203373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $429 | — | $429 | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 800 N MAGNOLIA AVE STE 110 ORLANDO, FL 32803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $362 | $362 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HWY 169 S STE 800 ST LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 800 N MAGNOLIA AVE STE 110 ORLANDO, FL 32803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $382 | $382 | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203373 DALLAS, TX 753203373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $359 | — | $359 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 400 HWY 169 S STE 800 ST LOUIS PARK, MN 55426 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203373 DALLAS, TX 753203373 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $156 | — | $156 | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 800 N MAGNOLIA AVE STE 110 ORLANDO, FL 32803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $144 | $144 | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SVCS USA, INC | 4300 MARKET POINTE DR STE 600 BLOOMINGTON, MN 554355455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $934 | — | $934 | 16.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SVCS USA, INC | 400 HWY 169 S ST LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $109 | $109 | 1.95% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INC | 123 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 139 | $113K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $29K |
| Other(3 contracts, 3 carriers) | HEALTH PARTNERS INC | 163 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.