| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS MINNESOTA, INC. | 505 WATERFORD PARK HIGHWAY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $22K | $3K | $24K | 0.97% |
| WITS FINANCIAL, LLC.3 | 1153 16TH AVENUE SE MINNEAPOLIS, MN 55414 | MEDICA INSURANCE COMPANY | $16K | $0 | $16K | 0.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS MINNESOTA, INC. | 505 WATERFORD PARK HIGHWAY 169 NORTH SUITE 1100 PLYMOUTH, IL 55441 | STANDARD INSURANCE COMPANY | $16K | $8K | $25K | 13.21% |
| WITS FINANCIAL, LLC.3 | 1153 16TH AVENUE SE MINNEAPOLIS, MN 55414 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 6.20% |
| AIT SERVICES LLC3 Filed as: AIT SERVICES LLC. | 840 LAKE STREET EAST SUITE 2 WAYZATA, MN 55391 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.03% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC. | PO BOX 860470 MINNEAPOLIS, MN 55486 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.46% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.88% |
| WITS FINANCIAL, LLC.3 | 1153 16TH AVENUE SE MINNEAPOLIS, MN 55414 | ZURICH AMERICAN INSURANCE COMPANY | $454 | $0 | $454 | 8.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SVCS, INC | 505 WATERFORD PARK HIGHWAY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | ZURICH AMERICAN INSURANCE COMPANY | $390 | $0 | $390 | 6.93% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 391 | $2.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 151 | $187K |
| Short-term disability | STANDARD INSURANCE COMPANY | 151 | $187K |
| Long-term disability | STANDARD INSURANCE COMPANY | 151 | $187K |
| Prescription drug | MEDICA INSURANCE COMPANY | 391 | $2.5M |
| Other(3 contracts, 3 carriers) | MEDICA INSURANCE COMPANY | 391 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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."
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.