| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHATZ, TIMOTHY3 | 12280 NICOLLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | HEALTHPARTNERS INSURANCE COMPANY | — | $65K | $65K | 1.41% |
| MN HEALTH INS NETWORKING INC3 | 12280 NICOLLET AVENUE SUITE 104 BURNSVILLE, MN 55337 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 10.01% |
| GOLDENCARE USA INC3 | 10700 COUNTY ROAD 15 SUITE 450 MINNEAPOLIS, MN 55441 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $549 | $549 | 0.58% |
| GOLDENCARE CORP3 | PO BOX 9366 YAKIMA, WA 98909 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $545 | $545 | 0.57% |
| EDUCATORS LIFETIME SOLUTIONS LLC3 | 1995 EAST RUN RIVER DRIVE SOUTH CAMBRIDGE, MN 55008 | GENWORTH LIFE INSURANCE COMPANY | $4K | — | $4K | 9.71% |
| MN HEALTH INSURANCE NETWORK, INC.3 | 12280 NICOLLET AVENUE #104 BURNSVILLE, MN 55337 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $784 | — | $784 | 10.53% |
| DIRECT BENEFITS, INC. - BOR3 | 55 EAST STREET SUITE 500 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $392 | — | $392 | 5.27% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 163 | $4.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 111 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 163 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163 | $167K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 180 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.