| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY SCHATZ3 | 16651 BRENTWOOD PASS NORTHWEST PRIOR LAKE, MN 55379 | HEALTHPARTNERS INSURANCE COMPANY | — | $60K | $60K | 1.37% |
| TIMOTHY SCHATZ3 | 6701 UPPER AFTON ROAD SAINT PAUL, MN 55125 | HEALTHPARTNERS INSURANCE COMPANY | — | $3K | $3K | 0.07% |
| GOLDENCARE USA INC3 | 10700 COUNTY ROAD 15 SUITE 450 MINNEAPOLIS, MN 55441 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $519 | $519 | 0.19% |
| GOLDENCARE CORP3 | PO BOX 9366 YAKIMA, WA 98909 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $516 | $516 | 0.19% |
| SCHATZ BENEFIT GROUP3 Filed as: SCHATZ BENEFIT GROUP INC | PO BOX 367 PRIOR LAKE, MN 55372 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 10.00% |
| EDUCATORS LIFETIME SOLUTIONS LLC3 | 1995 EAST RUN RIVER DRIVE SOUTH CAMBRIDGE, MN 55008 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 9.61% |
| SCHATZ BENEFIT GROUP3 | 16651 BRENTWOOD PASS NORTHWEST PRIOR LAKE, MN 55379 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $999 | — | $999 | 9.93% |
| DIRECT BENEFITS, INC. - BOR3 | 55 EAST STREET SUITE 500 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $499 | — | $499 | 4.96% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 159 | $4.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 134 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 158 | $172K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 158 | $172K |
| Other(5 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 168 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.